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Welfare costs of reclassification risk in the health insurance market
https://doi.org/10.24545/00001741
https://doi.org/10.24545/00001741c58ce068-f4f3-41c3-8886-14b9e4b21985
| 名前 / ファイル | ライセンス | アクション |
|---|---|---|
J Macroecon_45_21.pdf (704.3 kB)
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| Item type | 学術雑誌論文 / Journal Article(1) | |||||||||
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| 公開日 | 2020-03-05 | |||||||||
| タイトル | ||||||||||
| タイトル | Welfare costs of reclassification risk in the health insurance market | |||||||||
| 言語 | ||||||||||
| 言語 | eng | |||||||||
| キーワード | ||||||||||
| 主題Scheme | Other | |||||||||
| 主題 | health insurance | |||||||||
| キーワード | ||||||||||
| 主題Scheme | Other | |||||||||
| 主題 | reclassification risk | |||||||||
| キーワード | ||||||||||
| 主題Scheme | Other | |||||||||
| 主題 | dynamic insurance | |||||||||
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| 主題Scheme | Other | |||||||||
| 主題 | guaranteed renewable contracts | |||||||||
| キーワード | ||||||||||
| 主題Scheme | Other | |||||||||
| 主題 | general equilibrium | |||||||||
| 資源タイプ | ||||||||||
| 資源タイプ識別子 | http://purl.org/coar/resource_type/c_6501 | |||||||||
| 資源タイプ | journal article | |||||||||
| ID登録 | ||||||||||
| ID登録 | 10.24545/00001741 | |||||||||
| ID登録タイプ | JaLC | |||||||||
| 著者 |
PASHCHENKO, Svetlana
× PASHCHENKO, Svetlana
× PORAPAKKARM, Ponpoje
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| 抄録 | ||||||||||
| 内容記述タイプ | Abstract | |||||||||
| 内容記述 | We assess the quantitative importance of reclassification risk in the US health insurance market. Reclassification risk arises because the health conditions of individuals evolve over time, while a typical health insurance contract only lasts for one year. Thus, a change in the health status can lead to a significant change in the health insurance premium. We measure welfare gains from introducing explicit insurance against this risk in the form of guaranteed renewable health insurance contracts. We find that in the current institutional environment individuals are well-sheltered against reclassification risk and they only moderately gain from having access to these contracts. More specifically, we show that employer-sponsored health insurance and public means-tested transfers play an important role in providing implicit insurance against reclassification risk. If these institutions are removed, the average welfare gains from having access to guaranteed renewable contracts exceed 4% of the annual consumption. | |||||||||
| 内容記述 | ||||||||||
| 内容記述タイプ | Other | |||||||||
| 内容記述 | JEL Classification Codes: D52, D58, D91, G22, I11 | |||||||||
| 内容記述 | ||||||||||
| 内容記述タイプ | Other | |||||||||
| 内容記述 | The authors acknowledge financial support from the Research and Development Administration Office at the University of Macau. | |||||||||
| 書誌情報 |
Journal of Macroeconomics 巻 45, p. 21-44, 発行日 2015-09 |
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| 出版者 | ||||||||||
| 出版者 | Elsevier | |||||||||
| ISSN | ||||||||||
| 収録物識別子タイプ | ISSN | |||||||||
| 収録物識別子 | 0164-0704 | |||||||||
| 書誌レコードID (NCID) | ||||||||||
| 収録物識別子タイプ | NCID | |||||||||
| 収録物識別子 | AA11948810 | |||||||||
| DOI | ||||||||||
| 関連タイプ | isVersionOf | |||||||||
| 識別子タイプ | DOI | |||||||||
| 関連識別子 | 10.1016/j.jmacro.2015.04.003 | |||||||||
| 権利 | ||||||||||
| 権利情報 | This is the preprint version of the following article: Welfare costs of reclassification risk in the health insurance market, which has been published in final form at https://doi.org/10.1016/j.jmacro.2015.04.003. | |||||||||
| 著者版フラグ | ||||||||||
| 出版タイプ | AM | |||||||||
| 出版タイプResource | http://purl.org/coar/version/c_ab4af688f83e57aa | |||||||||
| フォーマット | ||||||||||
| 内容記述タイプ | Other | |||||||||
| 内容記述 | application/pdf | |||||||||
| 著者情報 | ||||||||||
| 内容記述タイプ | Other | |||||||||
| 内容記述 | http://www.grips.ac.jp/list/jp/facultyinfo/porapakkarm-ponpoje/ | http://www.grips.ac.jp/list/jp/facultyinfo/porapakkarm-ponpoje/ | |||||||||
