Medical Underwriting In Long-Term Care Insurance: Market Conditions Limit Options For Higher-Risk Consumers.
Medical Underwriting In Long-Term Care Insurance: Market Conditions Limit Options For Higher-Risk Consumers.
复制标题
DOI：
10.1377/hlthaff.2015.1133
复制
发表时间：
2016-08-01
期刊：
影响因子：
--
通讯作者：
Stevenson DG
中科院分区：
文献类型：
--
作者：
Cornell PY;Grabowski DC;Cohen M;Shi X;Stevenson DG
私人长期护理保险的一个关键特点是，医疗保险公司会筛选出那些有近期身体或认知残疾的健康状况的潜在买家。我们基于两家长期护理保险公司的数据，对长期护理保险的目标年龄范围（50-71岁）的全国代表性样本应用了共同的承保标准。筛选标准为目前在不改变医疗保险实践的情况下可以在个人市场获得保险的美国人的比例设定了上限。具体来说，我们的模拟显示，在目标年龄范围内，大约有30%的个人，其财富符合长期护理保险适用性的最低行业标准，他们的长期护理保险申请将因医疗原因被拒绝。在普通人群中——不考虑对财富的限制——我们估计有40%的人将不合格。在评估长期护理融资改革及其提高私人保险费率和减少公共安全网项目财政压力的潜力时，政策制定者需要考虑核保在长期护理保险市场中的作用。
A key feature of private long-term care insurance is that medical underwriters screen out would-be buyers who have health conditions that portend near-term physical or cognitive disability. We applied common underwriting criteria based on data from two long-term care insurers to a nationally representative sample of individuals in the target age range for long-term care insurance (50–71 years of age). The screening criteria put upper bounds on the current proportion of Americans who could gain coverage in the individual market without changes to medical underwriting practice. Specifically, our simulations show that, for the target age range, approximately 30% of individuals whose wealth meets minimum industry standards for the suitability of long-term care insurance would have their long-term care insurance application rejected for medical reasons. Among the general population–without considering restrictions on wealth–we estimate that 40% would be disqualified. In evaluating long-term care financing reforms and their potential to increase private insurance rates, as well as to reduce financial pressure on public safety-net programs, policymakers need to consider the role of underwriting in the market for long-term care insurance.
登录
查看更多内容
影响因子：
6.6
作者：
Mor, V;Zinn, J;Miller, SC
通讯作者：
Miller, SC
影响因子：
3.5
作者：
Lin, Haizhen;Prince, Jeffrey
通讯作者：
Prince, Jeffrey
影响因子：
3
作者：
Stewart, Kate A.;Grabowski, David C.;Lakdawalla, Darius N.
通讯作者：
Lakdawalla, Darius N.
DOI：
10.1111/j.1539-6975.2009.01286.x
发表时间：
2009-02-10
期刊：
The Journal of risk and insurance
影响因子：
--
作者：
Brown JR;Finkelstein A
通讯作者：
Finkelstein A
影响因子：
6.7
作者：
Lang, Iain;Wallace, Robert B.;Melzer, David
通讯作者：
Melzer, David