Exit, voice, or loyalty? an investigation into mandated portability of front-loaded private health plans

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<title>Exit, voice, or loyalty? an investigation into mandated portability of front-loaded private health plans</title>
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<namePart>Atal, Juan Pablo</namePart>
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<abstract displayLabel="Summary">We study theoretically and empirically how consumers in an individual private long-term health insurance market with front-loaded contracts respond to a newly mandated portability requirement of their old-age provisions. To foster competition, effective 2009, the German legislature made the portability of standardized old-age provisions mandatory. Our theoretical model predicts that the portability reform will increase internal plan switching. However, under plausible assumptions, it will not increase external insurer switching. Moreover, the portability reform will enable unhealthier enrollees to reoptimize their plans. We find confirmatory evidence for the theoretical predictions using claims panel data from a big private insurer. </abstract>
<note type="statement of responsibility">Juan Pablo Atal... [et al.]</note>
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<topic>Seguro de asistencia sanitaria</topic>
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<topic>Operaciones garantizadas a medio y largo plazo</topic>
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<topic>Longevidad</topic>
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<topic>Predicciones estadísticas</topic>
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<topic>Fidelización de clientes</topic>
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<title>The Journal of risk and insurance</title>
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<publisher>Nueva York : The American Risk and Insurance Association, 1964-</publisher>
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<identifier type="issn">0022-4367</identifier>
<identifier type="local">MAP20077000727</identifier>
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<text>02/09/2019 Volumen 86 Número 3 - septiembre 2019 , p. 697-727</text>
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