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Health care reinsurance and insurance reform in the United States : a simulation model

Recurso electrónico / electronic resource
Registro MARC
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100  ‎$0‎MAPA20080238230‎$a‎Bernstein, David
24500‎$a‎Health care reinsurance and insurance reform in the United States‎$b‎ : a simulation model‎$c‎David Bernstein
520  ‎$a‎This paper uses data from the Medical Expenditures Panel Survey, a U.S. health care survey, to simúlate the impact of reinsurance on insured health care expenditures for different cohorts. The paper concludes that reinsurance would not elimínate potential risk selection by insurers and, even with reinsurance, specific cohorts would have trouble obtaining affordable insurance unless reinsurance was ccompanied by significant changes to U.S. insurance laws including the adoption of guarantee issue requirements and the abolition of undcrwriting based on health status or pre-existing conditions. The simulation model reveals that the impact of reinsurance on insurance expenditures is larger for older cohorts than for younger cohorts.
650 1‎$0‎MAPA20080552367‎$a‎Reaseguro
650 1‎$0‎MAPA20080602642‎$a‎Modelos de simulación
650 1‎$0‎MAPA20100016923‎$a‎Riesgo sistémico
650 1‎$0‎MAPA20080582302‎$a‎Reforma sanitaria
651 1‎$0‎MAPA20080638337‎$a‎Estados Unidos
7730 ‎$w‎MAP20077100215‎$t‎Geneva papers on risk and insurance : issues and practice‎$d‎Geneva : The Geneva Association, 1976-‎$x‎1018-5895‎$g‎01/10/2010 Tomo 35 Número 4 - 2010 , p. 568-580