Risk adjustment
A well-developed risk adjustment scheme is an important precondition for effective competition in a market with community-rated premiums. Insurers, which primarily insure healthy individuals (good risks), must transfer a sum to competitors, which insure many chronically sick customers (bad risks). Without such compensation insurers are forced to seek for healthy customers (risk selection). The chronically sick people would then face unattractive offers.
Downloads
- Konstantin Beck, Lukas Kauer, Thomas McGuire, Christian Schmid (2020): Improving risk-equalization in Switzerland: Effects of alternative reform proposals on reallocating public subsidies for hospitals (PDF)
- Viktor von Wyl, Konstantin Beck (2014): Risk adjustment in aging societies. Health Economics Review, 4:7. (PDF)
Links to the Topic
- Douven, Rudy, Lukas Kauer, Sylvia Demme, Francesco Paolucci, Wynand van de Ven, Jürgen Wasem and Xiaoxi Zhao (2022). European Journal of Health Economics, 23, pp. 1437-43.
- Kauer, Lukas, Thomas G. McGuire, Konstantin Beck. (2020) Extreme under and overcompensation in morbidity-based health plan payments: The case of Switzerland, Health Policy 124 (1), p. 61-8.
- Schmid, Christian P.R. and Konstantin Beck (2016). Re-insurance in the Swiss Health Insurance Market: Fit, Power, and Balance, Health Policy 120(7), pp. 848-85.
- von Wyl, Viktor, Konstantin Beck (2016) Do insurers respond to risk adjustment? A long-term, nationwide analysis from Switzerland. The European Journal of Health Economics, 17(2), pp. 171-83.
- Beck. Konstantin (2014) Die Reform des Risikoausgleichs – die Mutter aller Reformen. In: Beck et al. (Hg), Brennpunkt Solidarität – Diskussionsbeiträge zur Weiterentwicklung der sozialen Krankenversicherung. Schriftenreihe der Schweizerischen Gesellschaft für Gesundheitspolitik (SGGP), Bd. 125, Bern, 85-115.