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Cumulative Antiselection Theory
persistency is relatively uniform, and certain direct-marketed basic hospital benefits, where no agent ... faster than expected because of increases in medical Care costs. DISCUSSION 241 This occurs for two ...Description: In this paper, a model is proposed as a potential explanation for the steady deterioration in loss ratios often observed on blocks of individual health insurance policies. This model, which incorporates assumptions of anti-selective lapses, can be used for morbidity projections and projections of the effects of rate increases. Discussions of this paper are included.
Hide- Authors: Application Administrator
- Date: Oct 1982
- Competency: Technical Skills & Analytical Problem Solving
- Publication Name: Transactions of the SOA
- Topics: Health & Disability>Health insurance
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NAIC Health Rate Regulations
everything was going to be fine because outpatient care was less costly. We forgot two things. We forgot ... to insureds and product reform, meaning managed care and preventive programs and their use and effectiveness ...Description: This session is about NAIC health rate regulations regarding loss ratios, new business/closed-block issues, experience data for reporting, and trend. Topics include alternatives to durational rating, prefunding, and rate spread, From Record of Society of Actuaries Vol. 19, No. 1A.
Hide- Authors: Application Administrator, Barbara Lautzenheiser, Mark D Peavy, Brian N Rees, Thomas J Stoiber, Jerome H Vance
- Date: Apr 1993
- Competency: Technical Skills & Analytical Problem Solving>Process and technique refinement
- Publication Name: Record of the Society of Actuaries
- Topics: Health & Disability>Health insurance