Journal
INQUIRY-THE JOURNAL OF HEALTH CARE ORGANIZATION PROVISION AND FINANCING
Volume 46, Issue 2, Pages 215-228Publisher
SAGE PUBLICATIONS INC
DOI: 10.5034/inquiryjrnl_46.2.215
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Funding
- Robert Wood Johnson Foundation through the Economic Research Initiative of the Uninsured (ERIU)
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Insurance market reforms face the key challenge of addressing the threat that risk selection poses to the availability of stable, high-value insurance policies that provide long-term risk protection. Many of the strategies in use today fail to address this breakdown in risk pooling, and some even exacerbate it. Flexible risk adjustment schemes are a promising avenue for promoting market stability and limiting insurer cream-skimming, potentially providing greater benefits at lower cost. Reforms intended to increase insurance coverage and the value of care delivered will be much more effective if implemented in conjunction with policies that address these fundamental selection issues.
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