Premium Rate for Private Health Insurance

Unisex-Calculation and Secondary Premium Differentiation in Private Health Insurance

Insurance The de facto paid premium in the (German) private health insurance depends on the insurance payments in the past (claim's experience). In case the insured does not make use of the insurance contract and accepts his health costs, he receives a defined premium refund – based on the monthly premium – the following year. The insured should therefore trade off between the premium refund an...

Health Insurance and the College Premium ∗ Anson

The gap between the rich and the poor is rising. During the past 30 years, this difference has been especially pronounced between college graduates and non-college graduates. The ratio of skilled (college educated) wages to unskilled (non-college graduate) wages is called the skill premium, and it has also increased over the past 30 years. The increase in the skill premium has continued despite...

Employee responses to health insurance premium increases.

OBJECTIVE To determine the sensitivity of employees' health insurance decisions--including the decision to not choose health maintenance organization or fee-for-service coverage--during periods of rapidly escalating healthcare costs. STUDY DESIGN A retrospective cohort study of employee plan choices at a single large firm with a "cafeteria-style" benefits plan wherein employees paid all the a...

Private health insurance: implications for developing countries.

Private health insurance is playing an increasing role in both high- and low-income countries, yet is poorly understood by researchers and policy-makers. This paper shows that the distinction between private and public health insurance is often exaggerated since well regulated private insurance markets share many features with public insurance systems. It notes that private health insurance pre...

Private Health Insurance in France