Abstract

http://ssrn.com/abstract=1435622
 
 

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Selection Stories: Understanding Movement Across Health Plans


David M. Cutler


Harvard University - Department of Economics; National Bureau of Economic Research (NBER)

Bryan Lincoln


Commonwealth of Massachusetts

Richard J. Zeckhauser


Harvard University - Harvard Kennedy School (HKS); National Bureau of Economic Research (NBER)

July 2009

NBER Working Paper No. w15164

Abstract:     
This study assesses the factors influencing the movement of people across health plans. We distinguish three types of cost-related transitions: adverse selection, the movement of the less healthy to more generous plans; adverse retention, the tendency for people to stay where they are when they get sick; and aging in place, where lack of all movement makes plans with initially older enrollees increase in cost over time. Using data from the Group Insurance Commission in Massachusetts, we show that aging in place and adverse selection are both quantitatively important. Each can materially impact equilibrium enrollments, especially when premiums to enrollees reflect these costs.

Number of Pages in PDF File: 47

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Date posted: July 21, 2009  

Suggested Citation

Cutler, David M. and Lincoln, Bryan and Zeckhauser, Richard J., Selection Stories: Understanding Movement Across Health Plans (July 2009). NBER Working Paper No. w15164. Available at SSRN: http://ssrn.com/abstract=1435622

Contact Information

David M. Cutler (Contact Author)
Harvard University - Department of Economics ( email )
Littauer Center, Room 315A
Cambridge, MA 02138
United States
617-496-5216 (Phone)
617-495-8570 (Fax)
National Bureau of Economic Research (NBER) ( email )
1050 Massachusetts Avenue
Cambridge, MA 02138
United States
617-868-3900 (Phone)
617-868-2742 (Fax)
Bryan Lincoln
Commonwealth of Massachusetts ( email )
MA
United States
Richard J. Zeckhauser
Harvard University - Harvard Kennedy School (HKS) ( email )
79 John F. Kennedy Street
Cambridge, MA 02138
United States
617-495-1174 (Phone)
617-384-9340 (Fax)
National Bureau of Economic Research (NBER) ( email )
1050 Massachusetts Avenue
Cambridge, MA 02138
United States
617-495-1174 (Phone)
617-496-3783 (Fax)
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