Bitte verwenden Sie diesen Link, um diese Publikation zu zitieren, oder auf sie als Internetquelle zu verweisen: https://hdl.handle.net/10419/76172 
Erscheinungsjahr: 
2009
Schriftenreihe/Nr.: 
Working Paper No. 0915
Verlag: 
University of Zurich, Socioeconomic Institute, Zurich
Zusammenfassung: 
When premiums are community-rated, risk adjustment (RA) serves to mitigate competitive insurers'; incentive to select favorable risks. However, unless fully prospective, it also undermines their incentives for efficiency. By capping its volume, one may try to counteract this tendency, exposing insurers to some financial risk. This in term runs counter the quest to refine the RA formula, which would increase RA volume. Specifically, the adjuster, Hospitalization or living in a nursing home during the previous year will be added in Switzerland starting 2012. This paper investigates how to minimize the opportunity cost of capping RA in terms of increased incentives for risk selection.
Dokumentart: 
Working Paper

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