Beyond age rating: spreading risk in health insurance markets Beyond age rating: spreading risk in health insurance markets

Collection: Health Policy and Services Research Series Title(s): Insight on the issues (AARP Public Policy Institute) Contributor(s): Nonnemaker, Lynn. AARP (Organization) Public Policy Institute (AARP (Organization)) Publication: Washington, D.C. : AARP Public Policy Institute, c2009 Language(s): English Format: Text Subject(s): Health Care Costs Insurance, Health Rate Setting and Review -- methods Risk Adjustment Risk Sharing, Financial United States Genre(s): Technical Report Abstract: Age rating health insurance premiums--currently a key issue in the health reform debate--forces older people to pay more regardless of their health status. This paper demonstrates that alternative mechanisms to offset risk--such as risk adjustment and risk sharing can be used to equitably compensate plans, ensure people access to a choice of plans, and encourage insurance plans to manage costs-efficiently. Copyright: Reproduced with permission of the copyright holder. Further use of the material is subject to CC BY-NC-ND license. (More information) Extent: 12 leaves Illustrations: Illustrations NLM Unique ID: 101520735 (See catalog record) Permanent Link: http://resource.nlm.nih.gov/101520735