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

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<dc:creator>Atal, Juan Pablo</dc:creator>
<dc:description xml:lang="es">Sumario: 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. </dc:description>
<dc:rights xml:lang="es">InC - http://rightsstatements.org/vocab/InC/1.0/</dc:rights>
<dc:subject xml:lang="es">Seguro de asistencia sanitaria</dc:subject>
<dc:subject xml:lang="es">Operaciones garantizadas a medio y largo plazo</dc:subject>
<dc:subject xml:lang="es">Longevidad</dc:subject>
<dc:subject xml:lang="es">Predicciones estadísticas</dc:subject>
<dc:subject xml:lang="es">Fidelización de clientes</dc:subject>
<dc:subject xml:lang="es">Alemania</dc:subject>
<dc:type xml:lang="es">Artículos y capítulos</dc:type>
<dc:title xml:lang="es">Exit, voice, or loyalty? an investigation into mandated portability of front-loaded private health plans</dc:title>
<dc:relation xml:lang="es">En: The Journal of risk and insurance. - Nueva York : The American Risk and Insurance Association, 1964- = ISSN 0022-4367. - 02/09/2019 Volumen 86 Número 3 - septiembre 2019 , p. 697-727</dc:relation>
<dc:coverage xml:lang="es">Alemania</dc:coverage>