This paper analyzes the premium charged by the private Chilean health insurance market, constituted by the private health management institutions, ISAPRES. A relationship between the expected expenditure and the socio-demographic variables, sex, age and type of beneficiary, is presented and analyzed. Then ratios between the expenditures of different types of beneficiaries and the expenditure of a normalized affiliate are calculated and compared with the factor weights that the ISAPRES, in compliance with the law, employ to differentiate prices among beneficiaries. The basic objective of the study consists in observing to what extent are costs used to determine the plans’ risk coefficients, of Isapres and additionally to analyze the incidence of the risk factors permitted by law, for modifying the base values.
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Article provided by Instituto de Economía. Pontificia Universidad Católica de Chile. in its journal Cuadernos de Economía.
Find related papers by JEL classification: I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
References listed on IDEAS Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
David M. Cutler & Richard J. Zeckhauser, 1998.
"Adverse Selection in Health Insurance,"
NBER Chapters,
in: Frontiers in Health Policy Research, volume 1, pages 1-32
National Bureau of Economic Research, Inc.
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