Risk selection threatens quality of care for certain patients: lessons from Europe's health insurance exchanges
- Collection:
- Health Policy and Services Research
- Series Title(s):
- In the literature (Commonwealth Fund)
- Author(s):
- Klein, Sarah, author
- Contributor(s):
- Commonwealth Fund, issuing body.
- Publication:
- [New York, N.Y.] : Commonwealth Fund, October 2015
- Language(s):
- English
- Format:
- Text
- Subject(s):
- Health Insurance Exchanges Risk United States
- Genre(s):
- Technical Report
- Abstract:
- Since the passage of the Affordable Care Act (ACA), insurers can no longer deny coverage to consumers based on a preexisting condition or adjust premiums based on health status. As a result, insurers run the risk of being undercompensated for the care of high-need, high-cost patients. To guard against this, insurers may use subtle means to avoid sick patients and attract healthier, less-expensive ones-- a practice known as risk selection. To protect patients and ensure that insurers' compensation is linked to enrollees' health risk, policymakers need to understand the complexities of risk selection and implement strategies to reduce it. European countries have been using health exchanges for 20 years and offer valuable insight for the United States.
- Copyright:
- Reproduced with permission of the copyright holder. Further use of the material is subject to CC BY license. (More information)
- Extent:
- 1 online resource (1 PDF file (2 unnumbered pages)).
- NLM Unique ID:
- 101676220 (See catalog record)
- Permanent Link:
- http://resource.nlm.nih.gov/101676220