Reinsurance, Repayments, and Risk Adjustment in Individual Health Insurance: Germany, The Netherlands and the U.S. Marketplaces

Thomas G. McGuire, Sonja Schillo, Richard C. van Kleef

NBER Working Paper No. 25374
Issued in December 2018

---- Acknowledgments ----

This research was partially supported by a grant from the Laura and John Arnold Foundation. The views presented here are those of the authors and not necessarily those of the Laura and John Arnold Foundation, its directors, officers, its staff, or the National Bureau of Economic Research. The authors are grateful to Savannah Bergquist, Mike Chernew, Frank Eijkenaar, Randy Ellis, Tim Layton, Joseph Newhouse, Marvin Oeben, Mieke Reuser, Wynand van de Ven, Suzanne van Veen, René van Vliet, Anja Withagen-Koster, Anna Zink, and seminar participants in Essen, Germany, Rotterdam, The Netherlands, and Tel Aviv, Israel for helpful comments on an earlier draft. Monica Farid of Harvard contributed ideas for analysis as well as provided outstanding research assistance. The authors are also grateful to the Dutch Ministry of Health, Welfare and Sports, and the Dutch Association of Health Insurers for providing data for this study.

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