Pareto-improving Risk selection in Social Health Insurance

Pareto-improving Risk selection in Social Health Insurance

Peter Zweifel

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Michael Breuer

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University of Zurich

Pareto-improving Risk selection in Social Health Insurance

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Abstract

Social health insurance traditionally imposes mandatory membership in a single pool in the aim of improving the welfare of high risks. However, this creates two problems, inefficiency of a monopolistic scheme and insufficient adaptation to individual preferences. Competition combined with a risk adjustment scheme can be used to improve efficiency. In the presence of preference heterogeneity, risk selection may improve adaptation to individual preferences, resulting in Pareto improvement over the pooling contract. This is shown to be possible both under perfect and imperfect risk adjustment.

References

22 Cites in Article

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Funding

No external funding was declared for this work.

Conflict of Interest

The authors declare no conflict of interest.

Ethical Approval

No ethics committee approval was required for this article type.

Data Availability

Not applicable for this article.

How to Cite This Article

Peter Zweifel. 2015. \u201cPareto-improving Risk selection in Social Health Insurance\u201d. Global Journal of Management and Business Research - B: Economic & Commerce GJMBR-B Volume 15 (GJMBR Volume 15 Issue B6).

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GJMBR Volume 15 Issue B6

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Journal Specifications

Crossref Journal DOI 10.17406/GJMBR

Print ISSN 0975-5853

e-ISSN 2249-4588

Keywords

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Classification

GJMBR-B Classification D 82

I 38

L51

Submission ReceivedFebruary 7, 2015
Peer Review Double Blind
Handling Editor
Accepted March 1, 2015
Published March 15, 2015

Version of record

v1.2

Issue date

September 4, 2015

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Article Matrices

Total Score: 102

Country: Austria

Subject: Global Journal of Management and Business Research - B: Economic & Commerce

Authors: Peter Zweifel, Michael Breuer (PhD/Dr. count: 0)

View Count (all-time): 139

Total Views (Real + Logic): 4277

Total Downloads (simulated): 2048

Publish Date: 2015 09, Fri

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Total Views: 4277

Total Downloads: 2048

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