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HPOL5003 Analysing Health Policy

tag 0 Download 3 Pages / 729 Words tag 27-10-2020

Questions:

Insurance plays a pivotal role in health care financing and is, therefore, a major factor in how the health care industry operates. From the consumer’s perspective, health insurance can be a beneficial way to mitigate the risks associated with illness or injury. However, access to insurance, characteristics of insurance plans, and the financing of medical services often influence consumer decisions regarding health care goods and services.

The challenge for insurance providers (i.e., the government and employers) is finding a balance between generous coverage and the overuse of services to limit moral hazard and adverse selection issues. So how should health insurance policies be designed to pool risks across populations? Who should be responsible for insurance provisions? How do you set premiums so healthy people will participate and balance the medical costs of unhealthy people?

This week, as you examine employer and government obligations in insuring varying populations of individuals, you consider the impact of moral hazard and adverse selection on insurance provisions. You also recommend types of health insurance policies employers should design and provide for employees.

To prepare for this Discussion:

Analyze obligations of the employer and the government in insuring the two populations of individuals described in the scenario.
 
Evaluate the impact of moral hazard and adverse selection on these insurance provisions.

The type of health insurance policy the employer should design and provide for its employees.
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My Assignment Help. Analysing Health Policy [Internet]. My Assignment Help. 2020 [cited 28 September 2022]. Available from: https://myassignmenthelp.com/free-samples/hpol5003-analysing-health-policy/health-insurance-policies.html.


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