The Magnitude and Nature of Risk Selection in Employer-Sponsored Health Plans

Most existing studies of risk selection in the employer-sponsored health insurance market are case studies of a single employer or of an employer coalition in a single market. We examine risk selection in the employer-sponsored market by applying a switcher' methodology to a national, panel data set

当前学界针对雇主赞助健康保险市场风险选择的既有研究，大多仅围绕单一雇主或单一市场内的雇主联盟开展案例分析。本研究则通过将转换者方法（switcher' methodology）应用于全国性面板数据集，对雇主赞助健康保险市场中的风险选择问题进行系统性探究。