1.0PNHPhttps://pnhp.orgpnhpf3ahttps://pnhp.org/author/pnhpf3a/Cream skimming under “perfect” risk scoring - PNHPrich600338<blockquote class="wp-embedded-content"><a href="https://pnhp.org/news/cream-skimming-under-perfect-risk-scoring/">Cream skimming under “perfect” risk scoring</a></blockquote>
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</script><iframe sandbox="allow-scripts" security="restricted" src="https://pnhp.org/news/cream-skimming-under-perfect-risk-scoring/embed/" width="600" height="338" title="“Cream skimming under “perfect” risk scoring” — PNHP" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" class="wp-embedded-content"></iframe>Beyond Statistics: The Economic Content of Risk ScoresBy Liran Einav, Amy Finkelstein, Raymond Kluender, and Paul SchrimpfNational Bureau of Economic Research, June 2015, NBER Working Paper No. 21304From the ConclusionsA innate characteristic of a fragmented, multi-payer system of health care financing is that health risks vary between insurance pools, creating an opportunity for private insurers to profit by cream skimming healthier population subsets. Risk scoring is used to compensate for this heterogeneity, but this study shows that even when risk scoring is “perfect” under current standards, opportunities for cream skimming still exist.