Solutions for adverse selection in behavioral health care.
作者： Thomas G. McGuire , Richard G. Frank , Jay P. Bae , Agnes Rupp
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摘要: Health plans have incentives to discourage high-cost enrollees (such as persons with mental illness) from joining. Public policy counter created by adverse selection is difficult when managed care controls cost through methods that are largely beyond the grasp of direct regulation. In this article, authors evaluate three approaches dealing incentives: risk adjustment, carving out benefits, and cost- or risk-sharing between payer plan. Adverse a serious problem in context care. Risk adjustment not likely help much, but benefit cost-sharing promising directions for policy.
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