ADVERSE SELECTION AND RISK RATING IN INSURANCE MARKETS
ADVERSE SELECTION AND RISK RATING IN INSURANCE MARKETS
批准号:
3372290
负责人:
JAMES ROBINSON
金额:
$8.74万
依托单位国家:
美国
项目类别:
财政年份:
1991
资助国家:
美国
项目状态:
已结题
起止时间:
1991-02-01 至 1993-01-31
中文摘要
本研究将使用1985- 1989年的人事数据和医疗保健索赔
英文摘要
This study will use 1985-89 personnel data and medical care claims from a
large employer to develop a method for measuring and compensating for
adverse selection among competing health insurance plans. A six equation
maximum likelihood model for predicting medical care utilization and
expenditures will be estimated using the claims data as dependent variables
and the personnel data as independent variables. Diagnostic information
from the claims data will be used to identify particularly high risk
individuals most likely to be the objects of risk selection strategies; a
variety of special techniques will be developed to risk-adjust employer
contributions for these individuals. Two sets of model parameters will be
estimated, one based on annual allowed charges incurred by enrollees in the
employer's fee-for-service (FFS) plan and one based on annual expenditures
for enrollees in a prepaid group practice Health Maintenance Organization
(HMO) with a large market share. Application of the FFS parameters to the
HMO enrollees and of the HMO parameters to the FFS plan enrollees will
generate two alternative measures of biased selection based on the benefit
packages and styles of practice characteristic of the two alternative
plans. Predicted expenditures will also be generated for enrollees in the
several smaller HMOs offered by the employer to measure adverse selection
among competing HMOs. We will analyze predicted and actual expenditures for
individuals switching from the FFS plan to an HMO or from one HMO to
another and compare these to predicted and actual expenditures for
individuals continuously enrolled in particular plans.
期刊论文(0)
专著(0)
科研奖励(0)
会议论文
Roles of protective or pathogenic B cell epitopes in human Lassa Fever
-
批准号:8537333
-
项目类别:
-
资助金额:$50.0万
-
财政年份:2009
-
负责人:JAMES ROBINSON
-
依托单位:
Roles of protective or pathogenic B cell epitopes in human Lassa Fever
-
批准号:8256732
-
项目类别:
-
资助金额:$1272.42万
-
财政年份:2009
-
负责人:JAMES ROBINSON
-
依托单位:
Roles of protective or pathogenic B cell epitopes in human Lassa Fever
-
批准号:7952532
-
项目类别:
-
资助金额:$300.07万
-
财政年份:2009
-
负责人:JAMES ROBINSON
-
依托单位:
ADVERSE SELECTION AND RISK RATING IN INSURANCE MARKETS
-
批准号:3372291
-
项目类别:
-
资助金额:$8.84万
-
财政年份:1991
-
负责人:JAMES ROBINSON
-
依托单位:
SAFETY, INDUSTRIAL RELATIONS, AND PRODUCTIVITY
-
批准号:3068960
-
项目类别:
-
资助金额:$3.24万
-
财政年份:1988
-
负责人:JAMES ROBINSON
-
依托单位:
SAFETY, INDUSTRIAL RELATIONS, AND PRODUCTIVITY
-
批准号:3068959
-
项目类别:
-
资助金额:$3.24万
-
财政年份:1988
-
负责人:JAMES ROBINSON
-
依托单位:
SAFETY, INDUSTRIAL RELATIONS, AND PRODUCTIVITY
-
批准号:3068958
-
项目类别:
-
资助金额:$3.24万
-
财政年份:1988
-
负责人:JAMES ROBINSON
-
依托单位:
海外基金