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The introduction of lifetime community rating in the Irish private health insurance market: Effects on coverage and plan choice

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  • Keegan, Conor

Abstract

In response to declining insurance coverage and adverse selection, in May 2015, Ireland introduced lifetime community rating (LCR) of health insurance premiums to encourage take-up of health insurance at younger ages. LCR requires that late-entry premium loadings be applied to those, aged 35 and over, taking out health insurance for the first time. This analysis exploits quasi-experimental difference-in-differences methods to estimate the effect of LCR regulations on insurance take-up, controlling for potentially confounding factors.

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  • Keegan, Conor, 2020. "The introduction of lifetime community rating in the Irish private health insurance market: Effects on coverage and plan choice," Social Science & Medicine, Elsevier, vol. 255(C).
    • Handle: RePEc:eee:socmed:v:255:y:2020:i:c:s0277953620302252
    DOI: 10.1016/j.socscimed.2020.113006
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    References listed on IDEAS

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    Cited by:

    1. Nathan Kettlewell & Yuting Zhang, 2024. "Age penalties and take‐up of private health insurance," Health Economics, John Wiley & Sons, Ltd., vol. 33(4), pages 636-651, April.
    2. Walsh, Brendan & Keegan, Conor & Brick, Aoife & Connolly, Sheelah & Bergin, Adele & Wren, Maev-Ann & Lyons, Seán & Hill, Leonie & Smith, Samantha, 2021. "Projections of expenditure for primary, community and long-term care Ireland, 2019–2035, based on the Hippocrates model," Research Series, Economic and Social Research Institute (ESRI), number RS126, June.
    3. Keane, Claire & Regan, Mark & Walsh, Brendan, 2021. "Failure to take-up public healthcare entitlements: Evidence from the Medical Card system in Ireland," Social Science & Medicine, Elsevier, vol. 281(C).
    4. Connolly, Sheelah & Wren, Maev-Ann, 2023. "Towards universal healthcare in Ireland – what can we learn from the literature?," Research Series, Economic and Social Research Institute (ESRI), number SUSTAT121, June.

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