ERM-522-17: Risk Selection Threatens Quality of Care for Certain Patients: Lessons from Europe’s Health Insurance Exchanges


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Reading Source: https://www.healthaffairs.org/doi/10.1377/hlthaff.2014.1456

Topics Covered in this Reading:

  • Abstract
  • Health Insurance Exchanges
    • Regulated Marketplace
    • US Exchanges
    • European Exchanges
  • Risk Equalization
    • Incentives for Risk Selection
    • Inadequate Measures of Incentives for Risk Selection
    • Under and Over-Compensation of Insurers for Selected Groups
    • Quality Skimping
  • Lessons From Europe
    • Risk Selection is a Serious Problem
    • Risk Adjustment Should Be Improved
    • Invest in Collecting Data
    • Risk Sharing is an Effective Strategy
    • Adopt a Generic Premium Rate Band
    • Understand the Complexities
  • Conclusion