How risky is individual health insurance?

被引：12

作者：

Pauly, Mark V. ^{[1
]}

Lieberthal, Robert D. ^{[1
]}

机构：

[1] Univ Penn, Wharton Sch, Hlth Care Syst Dept, Philadelphia, PA 19104 USA

来源：

HEALTH AFFAIRS | 2008年 / 27卷 / 03期

关键词：

D O I：

10.1377/hlthaff.27.3.w242

中图分类号：

R19 [保健组织与事业（卫生事业管理）];

学科分类号：

摘要：

This paper describes the relationship between type of insurance coverage in one period and the likelihood of becoming uninsured in the next. We find that for people at the median health status, becoming uninsured is most likely for those with individual insurance, less likely for those with small-group insurance, and least likely for those with large-group insurance. However, for people in poor or fair health, the chances of losing coverage are much greater for people who had small-group insurance than for those who had individual insurance. We attribute these results to the offsetting effects of high loadings and guaranteed renewability in the individual market.

引用

页码：W242 / +

页数：8