Are Colombian sickness funds cream skimming enrollees? An analysis with suggestions for policy improvement
| Autor: | Antonio J. Trujillo, Dawn C. McCalla |
|---|---|
| Rok vydání: | 2004 |
| Předmět: |
Risk
Actuarial science National Health Programs Public Administration Sociology and Political Science Public economics Health Status Insurance Pools Managed Competition Public policy Public Policy Colombia Policy analysis Insurance Selection Bias General Business Management and Accounting Competition (economics) Multivariate probit model Cream skimming Socioeconomic Factors Economics Humans Social determinants of health health care economics and organizations Reimbursement |
| Zdroj: | Journal of Policy Analysis and Management. 23:873-888 |
| ISSN: | 1520-6688 0276-8739 |
| DOI: | 10.1002/pam.20052 |
| Popis: | One of the primary objectives of Colombian social health insurance reform was to increase competition among for-profit insurers. Unfortunately, the flat capitated formula creates an opportunity for sickness funds to maximize reimbursement gains by “cream skimming”—selecting against unhealthy individuals. This paper explores sickness fund selection behavior to evaluate the efficiency losses associated with the introduction of managed competition in Colombia. Data from a 1997 Colombian household survey are analyzed with a bivariate probit model with partial observability using instrumental variables. The model yields some evidence of sickness fund selection based on health status. Public policy options to discourage risk selection by health status are discussed. © 2004 by the Association for Public Policy Analysis and Management. |
| Databáze: | OpenAIRE |
| Externí odkaz: |
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