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Selection Stories: Understanding Movement Across Health Plans

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Author Info
David M. Cutler
Bryan Lincoln
Richard J. Zeckhauser

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Abstract

This study assesses the factors influencing the movement of people across health plans. We distinguish three types of cost-related transitions: adverse selection, the movement of the less healthy to more generous plans; adverse retention, the tendency for people to stay where they are when they get sick; and aging in place, where lack of all movement makes plans with initially older enrollees increase in cost over time. Using data from the Group Insurance Commission in Massachusetts, we show that aging in place and adverse selection are both quantitatively important. Each can materially impact equilibrium enrollments, especially when premiums to enrollees reflect these costs.

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Paper provided by National Bureau of Economic Research, Inc in its series NBER Working Papers with number 15164.

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Date of creation: Jul 2009
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Handle: RePEc:nbr:nberwo:15164

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Find related papers by JEL classification:
I0 - Health, Education, and Welfare - - General
I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health

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This page was last updated on 2009-11-21.

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