Adverse selection and the challenges to stand-alone prescription drug insurance
Abstract
This paper investigates a possible predictor of adverse selection problems in unsubsidized stand-alone prescription drug insurance: the persistence of an individual's high spending over multiple years. Using Medstat claims data and data from the Medicare Survey of Current Beneficiaries, we find that …
Keywords
National Center for Biotechnology Information
NCBI
NLM
MEDLINE
Insurance
Marketing
humans
pubmed abstract
nih
national institutes of health
national library of medicine
models
research support
non-u.s. gov't
regression analysis
United States
economic
health services research
pharmaceutical services / economics*
mark v pauly
yuhui zeng
pmid:15612335
doi:10.2202/1558-9544.1051
drug prescriptions / economics*
economic competition
health expenditures / statistics & numerical data
insurance claim reporting / economics
insurance coverage / economics
insurance selection bias*
pharmaceutical services / standards
medicare / economics*
needs assessment
private sector / economics
public sector / economics
risk adjustment / economics
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