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Please use this identifier to cite or link to this item: https://doi.org/10.21256/zhaw-5526
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dc.contributor.authorMimra, Wanda-
dc.contributor.authorNemitz, Janina-
dc.contributor.authorWaibel, Christian-
dc.date.accessioned2019-07-01T12:14:52Z-
dc.date.available2019-07-01T12:14:52Z-
dc.date.issued2019-05-16-
dc.identifier.issn0167-2681de_CH
dc.identifier.urihttps://digitalcollection.zhaw.ch/handle/11475/17387-
dc.description.abstractScientific and technological advances increasingly allow for better tailoring of health insurance plans to individual health risk profiles. This development questions the sustainability of health plans that feature strong cross-subsidization across different health risk types and health behaviors. An important observation is that the willingness to cross-subsidize risks in health plans might depend on whether the risk is uncontrollable by individuals, such as genetic risk, or modifiable via health behaviors. This paper provides the results of an experiment on the willingness to pool genetic risk in health insurance. Subjects’ overall health risk has an assigned, uncontrollable genetic risk part that differs across individuals as well as a behavioral risk part, which can be reduced by costly effort. Participants can decide between a pooling, community-rated group insurance scheme and an insurance with a fully individually risk-adjusted premium. In the experimental variation, the group insurance scheme either includes behavioral risk or separates it out via individual premium discounts. Although we observe social preferences for pooling, only a low level of actual genetic risk pooling emerges across the experimental conditions. This is due to both large heterogeneity in social preferences across subjects, and the dynamics of the willingness to pay for group insurance in the different experimental markets.de_CH
dc.language.isoende_CH
dc.publisherElsevierde_CH
dc.relation.ispartofJournal of Economic Behavior & Organizationde_CH
dc.rightshttp://creativecommons.org/licenses/by-nc-nd/4.0/de_CH
dc.subjectEffortde_CH
dc.subjectGenetic riskde_CH
dc.subjectHealth insurancede_CH
dc.subjectPoolingde_CH
dc.subject.ddc360: Soziale Probleme und Sozialversicherungende_CH
dc.subject.ddc610: Medizin und Gesundheitde_CH
dc.titleVoluntary pooling of genetic risk : a health insurance experimentde_CH
dc.typeBeitrag in wissenschaftlicher Zeitschriftde_CH
dcterms.typeTextde_CH
zhaw.departementSchool of Management and Lawde_CH
zhaw.organisationalunitWinterthurer Institut für Gesundheitsökonomie (WIG)de_CH
dc.identifier.doi10.1016/j.jebo.2019.04.001de_CH
dc.identifier.doi10.21256/zhaw-5526-
zhaw.funding.euNode_CH
zhaw.originated.zhawYesde_CH
zhaw.pages.end882de_CH
zhaw.pages.start864de_CH
zhaw.publication.statusacceptedVersionde_CH
zhaw.volume180de_CH
zhaw.embargo.end2022-05-16de_CH
zhaw.publication.reviewPeer review (Publikation)de_CH
zhaw.webfeedW: Spitzenpublikationde_CH
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Mimra, W., Nemitz, J., & Waibel, C. (2019). Voluntary pooling of genetic risk : a health insurance experiment. Journal of Economic Behavior & Organization, 180, 864–882. https://doi.org/10.1016/j.jebo.2019.04.001
Mimra, W., Nemitz, J. and Waibel, C. (2019) ‘Voluntary pooling of genetic risk : a health insurance experiment’, Journal of Economic Behavior & Organization, 180, pp. 864–882. Available at: https://doi.org/10.1016/j.jebo.2019.04.001.
W. Mimra, J. Nemitz, and C. Waibel, “Voluntary pooling of genetic risk : a health insurance experiment,” Journal of Economic Behavior & Organization, vol. 180, pp. 864–882, May 2019, doi: 10.1016/j.jebo.2019.04.001.
MIMRA, Wanda, Janina NEMITZ und Christian WAIBEL, 2019. Voluntary pooling of genetic risk : a health insurance experiment. Journal of Economic Behavior & Organization. 16 Mai 2019. Bd. 180, S. 864–882. DOI 10.1016/j.jebo.2019.04.001
Mimra, Wanda, Janina Nemitz, and Christian Waibel. 2019. “Voluntary Pooling of Genetic Risk : A Health Insurance Experiment.” Journal of Economic Behavior & Organization 180 (May): 864–82. https://doi.org/10.1016/j.jebo.2019.04.001.
Mimra, Wanda, et al. “Voluntary Pooling of Genetic Risk : A Health Insurance Experiment.” Journal of Economic Behavior & Organization, vol. 180, May 2019, pp. 864–82, https://doi.org/10.1016/j.jebo.2019.04.001.


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