Controlling Indirect Selection under Healthcare Reform - Society of ...
Controlling Indirect Selection under Healthcare Reform - Society of ...
Controlling Indirect Selection under Healthcare Reform - Society of ...
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vii<br />
FIGURE<br />
LIST OF FIGURES<br />
PAGE<br />
1. Consumer Choice with No Compensatory Insurer <strong>Selection</strong> ....................................................... 6<br />
2. Pre-<strong>Healthcare</strong> <strong>Reform</strong> Individual Health Insurance Market Balanced <strong>Selection</strong> – Incomplete<br />
Model ........................................................................................................................................ 8<br />
3. Pre-<strong>Healthcare</strong> <strong>Reform</strong> Individual Health Insurance Market Balanced <strong>Selection</strong> – Complete<br />
Model ......................................................................................................................................... 9<br />
4. <strong>Healthcare</strong> <strong>Reform</strong> Individual Health Insurance Market: What the Public Requested ............... 16<br />
5. Post-<strong>Healthcare</strong> <strong>Reform</strong> Individual Health Insurance Market: The Compromise – As Ideally<br />
Envisioned ............................................................................................................................... 18<br />
6. Today’s Risk Adjustment Variables ............................................................................................ 21<br />
7. Other Predictive Variables: Public Health ................................................................................ 23<br />
8. Other Predictive Variables: More ............................................................................................. 25<br />
9. Other Predictive Variables: Final List ....................................................................................... 27<br />
10. Demonstration: Starting Population ........................................................................................ 31<br />
11. Demonstration: Healthy and Unhealthy People ....................................................................... 32<br />
12. Demonstration: Further Differentiation <strong>of</strong> Healthy People ...................................................... 33<br />
13. Demonstration: Financial Impact <strong>of</strong> Selecting on the Unidentified Risk .................................... 34<br />
14. Demonstration: Differentiation <strong>of</strong> the Unhealthy by Severity .................................................. 36<br />
15. Demonstration: Financial Impact <strong>of</strong> Selecting on a Few Truly Ill ............................................... 37<br />
16. To <strong>Indirect</strong>ly Select or Not: One Insurer’s Decision Framework ................................................ 38<br />
17. One Insurer’s Decision to Select ............................................................................................... 42<br />
18. Post-<strong>Healthcare</strong> <strong>Reform</strong> Individual Health Insurance Market: With <strong>Indirect</strong> <strong>Selection</strong> – If it<br />
Balances ................................................................................................................................... 43<br />
19. Neighborhood-Level Data Available from EASI ......................................................................... 49<br />
20. Individual/Family-Level Data Available from infoUSA.com ........................................................ 50<br />
21. Consumer Marketing Databases Provide Missing Information .................................................. 53