Arbeitspapier
Exit, Voice or Loyalty? An Investigation into Mandated Portability of Front-Loaded Private Health Plans
We study theoretically and empirically how consumers in an individual private longterm health insurance market with front-loaded contracts respond to newly mandated portability requirements of their old-age provisions. To foster competition, effective 2009, the German legislature made the portability of standardized old-age provisions mandatory. Our theoretical model predicts that the portability reform will increase internal plan switching. However, under plausible assumptions, it will not increase external insurer switching. Moreover, the portability reform will enable unhealthier enrollees to reoptimize their plans. We find confirmatory evidence for the theoretical predictions using claims panel data from a big private insurer.
- Sprache
-
Englisch
- Erschienen in
-
Series: IZA Discussion Papers ; No. 10871
- Klassifikation
-
Wirtschaft
Insurance; Insurance Companies; Actuarial Studies
Analysis of Health Care Markets
Health: Government Policy; Regulation; Public Health
- Thema
-
individual private health insurance
portability
old-age provisions
health plan switching
switching costs
health policy reform
consumer bargaining
retention
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Atal, Juan Pablo
Fang, Hanming
Karlsson, Martin
Ziebarth, Nicolas R.
- Ereignis
-
Veröffentlichung
- (wer)
-
Institute of Labor Economics (IZA)
- (wo)
-
Bonn
- (wann)
-
2017
- Handle
- Letzte Aktualisierung
-
2025-03-10T11:45:05+0100
Datenpartner
Dieses Objekt wird bereitgestellt von:
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
Objekttyp
- Arbeitspapier
Beteiligte
- Atal, Juan Pablo
- Fang, Hanming
- Karlsson, Martin
- Ziebarth, Nicolas R.
- Institute of Labor Economics (IZA)
Entstanden
- 2017
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