文章基本信息

标题：The Introduction of Ex-ante Risk Equalisation in the AustralianPrivate Health Insurance Market: A First Step
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作者：Francesco Paolucci ; Amir Shmueli
期刊名称：Agenda
印刷版ISSN：1322-1833
电子版ISSN：1447-4735
出版年度：2011
卷号：18
期号：2
出版社：Australian National University
摘要：In April 2007, the 'Reinsurance' arrangements in place since 1956 were replaced by a 'Risk Equalisation' scheme in the Australian private health insurance market. However, the new arrangements maintained a de facto ex-post (retrospective) claims-equalisation scheme. Equalisation transfers across competing health insurers could instead be achieved by means of a system of ex-ante prospective risk-adjusted subsidies with higher incentives for efficiency and lower incentives for selection compared to ex-post claims equalisation. This paper examines the option of introducing demographic scales for ex-ante (prospective) risk equalisation and its implications on the actual financial transfers (that is, risk-adjusted subsidies flows) across funds. The findings of this paper serve as an information basis for future policies aiming at improving efficiency and preventing selection in the Australian private health insurance market