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- Title
Adverse Selection and the Decline in Private Health Insurance Coverage in Australia: 1989–95.
- Authors
Barrett, Garry F.; Conlon, Robert
- Abstract
The decline in private health insurance coverage over the period 1989–95 is analysed using the ABS National Health Surveys. Individuals’ health status and health risk behaviours are found to be significant determinants of their decision to purchase private health insurance. At a point in time, the pool of the insured is very heterogeneous, with a mix of both good and bad health risks. It is found that the decline in insurance coverage over the period 1989–95 coincided with an increase in the degree of ‘adverse selection’ within the insured population.
- Subjects
AUSTRALIA; HEALTH insurance; ADVERSE selection (Insurance); HEALTH risk assessment
- Publication
Economic Record, 2003, Vol 79, Issue 246, p279
- ISSN
0013-0249
- Publication type
Article
- DOI
10.1111/1475-4932.00104