How Risky Is Individual Health Insurance?

Pauly, Mark V.; Lieberthal, Robert D.

doi:10.1377/hlthaff.27.3.w242

Cited by 24 publications

(15 citation statements)

References 7 publications

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“…There are various possibilities for alleviating such adverse effects (including guaranteed renewability), but these do not always exist, and the costs can be high. One American study found people in poor to fair health to be more likely to lose insurance coverage, particularly if they were in the small group market (Pauly and Lieberthal 2008). In the United States, a small fraction of those with preexisting conditions could get coverage (albeit often limited and expensive) through state high-risk pools.…”

Section: Potentially Catastrophically Expensive Services Tomentioning

confidence: 99%

Four Flavours of Health Expenditures: A Discussion of the Potential Implications of the Distribution of Health Expenditures for Financing Health Care

Deber

Lam

Roos

2014

Canadian Public Policy

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Different categories of services present different policy issues for financing health care. This conceptual paper suggests four categories: (1) public health services for the entire population; (2) basic health care to individuals, where anticipated costs are small and relatively homogeneous; (3) potentially catastrophically expensive services to individuals, where costs are skewed but not predictable; and (4) potentially catastrophically expensive services to individuals, where anticipated costs are both skewed and predictable. Using Canadian and Manitoba data to illustrate some implications of the distribution of health expenditures, we suggest policies suitable for one category of services may not necessarily work for others. The small proportion responsible for incurring high health expenditures are not attractive candidates for voluntary risk pools, particularly in competitive markets.En matière de politiques publiques, le financement des soins de santé doit être analysé de différentes façons selon les types de soins considérés. Dans cet article, nous suggérons quatre catégories de soins :(1) les services de santé publique, offerts à l'ensemble de la population ; (2) les soins individuels de base, dont les coû ts prévus sont assez faibles et plutô t homogènes ; (3) les soins offerts à certains individus et dont les coû ts sont potentiellement catastrophiques, ces coû ts étant faussés et non prévisibles ; et (4) les soins offerts à certains individus et dont les coû ts sont potentiellement catastrophiques, ces coû ts sont faussés mais prévisibles. Pour illustrer certaines implications de la distribution des dépenses en santé, nous utilisons Grâce à des données manitobaines et canadiennes, nous illustrons ensuite certaines implications de la distribution de ces soins ; nous montrons ainsi que des politiques qui conviennent à l'une des catégories de soins ne conviennent pas nécessairement aux autres. Par exemple, à cause de la faible proportion des services associés aux dépenses démesurément élevées, la mise en commun volontaire des risques dans ces cas n'est pas une avenue intéressante, surtout sur des marchés compétitifs.

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Section: Potentially Catastrophically Expensive Services Tomentioning

confidence: 99%

Four Flavours of Health Expenditures: A Discussion of the Potential Implications of the Distribution of Health Expenditures for Financing Health Care

Deber

Lam

Roos

2014

Canadian Public Policy

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“…19 In contrast, buyers of group insurance who are or become high risk and lose their employment for any reason have no protection against the reclassification risk that will occur if they move to individual insurance. 20 Neither option is superior to the other.…”

Section: Risk Segmentation and Help For High Risksmentioning

confidence: 99%

Blending Better Ingredients For Health Reform

Pauly

2008

Health Affairs

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This paper argues that a desirable health reform plan should accept some features that the Obama and McCain plans have in common, and combine other features from each of the plans. Useful combinations include the presence of both public and private options and a system of credits that are more generous for lower-income households (Obama) and creation of a system of public subsidies that is incentive-neutral across individual and group insurance, curtailment of the current tax subsidy to high levels of coverage for highincome households, and the use of targeted high-risk pools and guaranteed renewability rather than community rating (McCain). [Health Affairs 27, no. 6 (2008): w482-w491 (published online 16 September 2008; 10.1377/hlthaff.27.6.w482)]

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“…Uncertainty is also greater on the individual market; it is more likely for a person with an individual plan to lose insurance than someone under a group plan [27].…”

Section: Chapter 1 Introductionmentioning

confidence: 99%

Does Health Insurance Matter for Entrepreneurship?

Chavda¹

2016

SSRN Journal

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We study the effect of improved access to health insurance on entrepreneurial rates across industries. We use the 2006 reform of the Massachusetts health care market as our shock. In contrast to previous research, we use our shock to test which kinds of startups were more likely to be created in addition to whether individuals became more likely to become entrepreneurs. We develop a theoretical model uses institutional heterogeneity to make predictions on how the reform should affect the distribution of entrepreneurs across industries. We see evidence that although non-profit entrepreneurship was significantly affected, overall entrepreneurship is constrained by factors other than access to health care. AcknowledgmentsWe would like to thank Scott Stern for his advice and guidance on this research project. We are also very appreciative of the helpful suggestions and comments provided by

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How Risky Is Individual Health Insurance?

Cited by 24 publications

References 7 publications

Four Flavours of Health Expenditures: A Discussion of the Potential Implications of the Distribution of Health Expenditures for Financing Health Care

Four Flavours of Health Expenditures: A Discussion of the Potential Implications of the Distribution of Health Expenditures for Financing Health Care

Blending Better Ingredients For Health Reform

Does Health Insurance Matter for Entrepreneurship?

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