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http://ssrn.com/abstract=1124947
 
 

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Health Insurance Risk Pooling and Social Solidarity: A Response to Professor David Hyman


Amy Monahan


University of Minnesota - Twin Cities - School of Law


Connecticut Insurance Law Journal, 2008
University of Missouri School of Law Legal Studies Research Paper No. 2008-15

Abstract:     
Social solidarity with respect to health care is expressed, in part, through relatively healthy individuals paying higher prices for health insurance in order to subsidize the health insurance of the relatively less healthy. Americans have generally supported this cross-subsidization. However, given ever-rising health insurance prices, there is now significant interest in lessening the extent to which health care risks are shared in our society. This comment seeks to respond primarily to the regulatory federalism proposal put forward by Professor David Hyman, which I argue will unnecessarily harm certain risk-pooling functions of health insurance and therefore undermine social solidarity. The comment begins with a brief look at what risks are and are not currently pooled, and then examines options for expanding health insurance risk pooling. The comment then turns to Professor Hyman's proposal, analyzing regulatory federalism in light of its effect on risk pooling and social solidarity.

Number of Pages in PDF File: 14

Keywords: health insurance, regulatory federalism

JEL Classification: I10, I18

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Date posted: April 25, 2008 ; Last revised: August 13, 2008

Suggested Citation

Monahan, Amy, Health Insurance Risk Pooling and Social Solidarity: A Response to Professor David Hyman. Connecticut Insurance Law Journal, 2008; University of Missouri School of Law Legal Studies Research Paper No. 2008-15. Available at SSRN: http://ssrn.com/abstract=1124947

Contact Information

Amy Monahan (Contact Author)
University of Minnesota - Twin Cities - School of Law ( email )
229 19th Avenue South
Minneapolis, MN 55455
United States
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