The critics also note that running a multi-employer health plan is difficult, even when all of the employers are in the same state, and that antiselection
problems have destroyed many single-state associate health plan programs.
Health insurers have argued that they need tough defenses against antiselection
, such as purchase mandates, to make offering coverage without medical underwriting economically feasible.
ranging from 200-300 percent of the 2001 CSO) impacts the degree of the shock lapse rate and resulting antiselection
2003, Concurrence Et AntisElection
Multidimensionnelle En Assurance, Annales d'Economie et Statistique 69:119-142.
The authors cover various insurance products, policy forms, the management of antiselection
, the setting of premium rates, and a wide variety of other related subjects.
On the other hand, whether insurers, insurance regulators and exchange managers have the risk-management tools they need to keep antiselection
from drowning health insurers is a serious concern.
In fact, in what was described as a "perfect storm" of antiselection
, those with genetic markers indicating dementia risk were 5.
Once the word is out--"the word" always gets out--about our rank naivete, a dark night of rampant antiselection
will descend upon us.
Labour also found its antiselection
ethos under question three years ago when the party's MP for Northampton North Sally Keeble decided to send her son to a pounds 6,000-a-year private school.
But the insurance industry is beginning to draw a line in the sand with antiselection
, sometimes called "adverse selection" or "selection against the insurer.
Yet, because few companies do additional underwriting on individuals once they are deemed as acceptable risks for the purchase of insurance, there may be antiselection
occurring at the time that individuals decide how much insurance coverage to purchase.
This tendency toward antiselection
has the unintentional effect of reducing the performance of retirement plans.