Abstract #300584

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JSM 2002 Abstract #300584
Activity Number: 383
Type: Contributed
Date/Time: Thursday, August 15, 2002 : 8:30 AM to 12:20 PM
Sponsor: Business & Economics Statistics Section*
Abstract - #300584
Title: Testing for Adverse Selection in the Health Plan Market
Author(s): Ralph Bradley*+
Affiliation(s): U.S. Bureau of Labor Statistics
Address: 2 Massachusetts Ave., Washington, District of Columbia, 20212, USA
Keywords: Adverse Selection ; Limited Dependent Variables ; Method of Simulated Moments
Abstract:

Past studies for adverse selection have not accounted for two major household decisions: to accept employer health plans and to meet the deductible. Persons who make health insurance decisions must form expectations based on these decisions and, therefore, any test for adverse selection is biased unless it models these decisions. This study tests for adverse selection by estimating a structural model that accounts for these decisions. These tests are derived from limited dependent variable models that are estimated through methods of simulated moments.

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Revised March 2002