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A new prevention paradox: The trade-off between reducing incentives for risk selection and increasing the incentives for prevention for health insurers

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  • Kanters, Tim A.
  • Brouwer, Werner B.F.
  • van Vliet, René C.J.A.
  • van Baal, Pieter H.M.
  • Polder, Johan J.

Abstract

The Dutch risk equalization scheme has been improved over the years by including health related risk adjusters. The purpose of the Dutch risk equalization scheme is to prevent risk selection and to correct for predictable losses and gains for insurers. The objective of this paper is to explore the financial incentives for risk selection under the Dutch risk equalization scheme.

Suggested Citation

  • Kanters, Tim A. & Brouwer, Werner B.F. & van Vliet, René C.J.A. & van Baal, Pieter H.M. & Polder, Johan J., 2013. "A new prevention paradox: The trade-off between reducing incentives for risk selection and increasing the incentives for prevention for health insurers," Social Science & Medicine, Elsevier, vol. 76(C), pages 150-158.
    • Handle: RePEc:eee:socmed:v:76:y:2013:i:c:p:150-158
    DOI: 10.1016/j.socscimed.2012.10.019
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    References listed on IDEAS

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    7. Pieter H. M. van Baal & Talitha L. Feenstra & Rudolf T. Hoogenveen & G. Ardine de Wit & Werner B. F. Brouwer, 2007. "Unrelated medical care in life years gained and the cost utility of primary prevention: in search of a ‘perfect’ cost–utility ratio," Health Economics, John Wiley & Sons, Ltd., vol. 16(4), pages 421-433, April.
    8. Van de Ven, Wynand P. M. M., 2011. "Risk adjustment and risk equalization: what needs to be done?," Health Economics, Policy and Law, Cambridge University Press, vol. 6(01), pages 147-156, January.
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    1. Inge Grootjans-van Kampen & Peter M Engelfriet & Pieter H M van Baal, 2014. "Disease Prevention: Saving Lives or Reducing Health Care Costs?," PLOS ONE, Public Library of Science, vol. 9(8), pages 1-5, August.

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