Exact(14)
Insurers offering (L_{np}) only attract low risks and make some positive profits per insuree.
In insurance agreements, the insuree inevitably knows more about the risk involved than the insurer; without the requirement for pre-contractual "good faith," the insuree would have no reason to tell the truth, and insurance companies would be loath to make contracts.
The IPR identifies each insuree using a personal identification code.
Each insuree had to have an AGW free period of 12 months preceding the diagnosis.
All regressions control for 6-digit insuree postcode fixed effects; standard errors clustered at the insuree level It is important to note that 6-digit postal codes in the Netherlands are highly detailed, representing 16 households on average.
Effects on mortality rates are analyzed using a Logit model with fixed effects at the 4-digit insuree postcode level.
Significance of coefficients is tested using t tests, with clustering of standard errors at the level of the insuree.
Similar(4)
Let's crunch the numbers: If the 9.3 million new insurees all moved to the same place — a shining city on a hill, say, with sparkling doctors' offices and gleaming deductibles — they would comprise the largest municipality in the United States, surpassing New York City in both population (8.3 million) and, by some estimates, healthy glow.
That would still leave insurees paying substantially less than most other Americans.
By Bruce Handy May 21, 2014 If the 9.3 million new insurees all moved to the same place — a shining city on a hill, say, with sparkling doctors' offices and gleaming deductibles — they would comprise the largest municipality in the United States, surpassing New York City in both population (8.3 million) and, by some estimates, healthy glow.
For each insuree-quarter combination, information on the costs of four different types of care is available: care by GP, hospital care, pharmaceutical care, and paramedic care (like physical therapy).
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