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Related Experiment Videos

Can a universal coverage system temper the underwriting cycle?

J R Gabel1, G A Jensen

  • 1KPMG Peat Marwick, Washington, DC 20036.

Inquiry : a Journal of Medical Care Organization, Provision and Financing
|January 1, 1992
PubMed
Summary
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The health insurance industry

Area of Science:

  • Health Economics
  • Insurance Industry Analysis

Background:

  • The health insurance industry exhibits a consistent six-year earnings cycle, alternating between three years of profits and three years of losses.
  • This earnings cycle directly influences and destabilizes the health insurance pricing cycle.

Purpose of the Study:

  • To investigate the potential impact of a national health plan on the established health insurance earnings and pricing cycles.
  • To analyze the underlying causes of the insurance industry's cyclical behavior.

Main Methods:

  • Review of existing theories on the causes of the insurance profitability cycle.
  • Examination of new evidence regarding the influence of a national health plan.
  • Analysis of health care service pricing and utilization trends.

Related Experiment Videos

  • Assessment of the correlation between the general economy and health insurance market dynamics since 1985.

    • Main Results:

    • No discernible cycle was found in the pricing or utilization of health care services.
    • The link between the broader economy and health insurance trends has diminished since 1985.
    • Evidence suggests the insurance cycle's origins are primarily internal to the industry.

    Conclusions:

    • National health care reform is unlikely to significantly alter the health insurance underwriting cycle.
    • The cyclical nature of the insurance industry is driven by factors internal to the sector, not external economic or service-use patterns.