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Four groups of interrelated obstacles emerged: the insurance design, insurers' managed care and purchasing mechanisms, the characteristics of the network of healthcare providers and, to a lesser extent, the socio-economic characteristics of the population.
A promising approach is "value-based" insurance design, in which insurers identify high-risk customers — say, those with diabetes or heart conditions — and use cost-sharing incentives to goad them into taking better care of themselves.
Access, particularly to secondary care, is perceived as complex due to four groups of obstacles with synergetic effects: segmented insurance design with insufficient services covered; insurers' managed care and purchasing mechanisms; providers' networks structural and organizational limitations; and, poor living conditions.
This paper investigates an insurance design problem, in which a bonus will be given to the insured if no claim has been made during the whole lifetime of the contract, for an expected utility insured.
At Pitney Bowes, value-based insurance design cut copayments and increased drug adherence [Internet].
Choudhry NK, Rosenthal MB, Milstein A. Assessing the evidence for value-based insurance design [Internet].
Your questions raise interesting points about market power and insurance design.
To evaluate the impact of a value-based insurance design for primary care among children.
"It's a very good demonstration of how value-based insurance design can work and be worth it," he said.
Some of it can be attributed to the Great Recession and changes in insurance design such as higher deductibles.
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Early testers have included the BBC, the Design Museum and Penguin, and a surprise win for graphic design in the Brit Insurance Design of the Year awards has brought the idea even more attention.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com