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Related Experiment Videos

Selection and plan switching behavior.

Rusty Tchernis1, Sharon-Lise T Normand, Juliana Pakes

  • 1Department of Economics, Indiana University, Wylie Hall, 100 S. Woodlawn, Bloomington, IN 47405, USA. rtcherni@indiana.edu

Inquiry : a Journal of Medical Care Organization, Provision and Financing
|July 15, 2006
PubMed
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Employees switching health insurance plans based on health status can shift costs, increasing adverse selection. This behavior significantly impacts insurance premiums, more than previously understood.

Area of Science:

  • Health Economics
  • Insurance Markets
  • Behavioral Economics

Background:

  • Employees often have choices between health insurance plans with varying coverage levels.
  • Plan selection can change due to shifts in costs, available information, or individual health status.

Purpose of the Study:

  • To analyze employee health insurance switching behavior.
  • To investigate the role of changes in health status as a driver for switching.
  • To assess the impact of switching behavior on adverse selection and insurance premiums.

Main Methods:

  • Analysis of employee health insurance plan switching.
  • Examination of medical spending patterns before and after plan changes.
  • Focus on switching behavior correlated with changes in health status.

Related Experiment Videos

Main Results:

  • Individuals switching to less generous plans showed lower prior medical spending.
  • Those moving to more generous plans appeared to anticipate higher future medical costs.
  • This cost-shifting behavior exacerbates adverse selection in health insurance markets.

Conclusions:

  • Health status-driven switching behavior is a significant factor in insurance markets.
  • The transfer of medical costs between plans increases the burden of adverse selection.
  • Switching behavior may play a larger role in determining insurance premiums than previously recognized.