About the event
Abstract
(with Juan Pablo Atal, Martin Karlsson, and Nicolas R. Ziebarth)
To insure policyholders against contemporaneous health expenditure shocks and future reclassification risk, long-term health insurance constitutes an alternative to community-rated short-term contracts with an individual mandate. We study the German long-term health insurance (GLTHI) from a life-cycle perspective. We first present and discuss insurer regulation, premium setting, and the main market principles of the GLTHI. We then empirically estimate the ingredients of a life-cycle model to assess the welfare effects of the GLTHI. We find that the GLTHI achieves a high level of welfare against several benchmarks. Finally, we discuss the implications for the health care reform debate in the U.S.
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