TAILIEUCHUNG - Why Health Insurance Matters for Children

Adverse selection occurs when a producer has more information about the risk of loss than does the insurer, and is better able to determine the fairness of premium rates (Harwood et al., 1999). As a result, those who are overcharged are less likely to purchase insurance, while those who are undercharged are more likely to over- purchase insurance. Over time, indemnities will exceed premiums in such markets, and raising premium rates for all insureds will potentially create an even more adversely selected market as the less-risky participants drop out of the program. More accurate risk classification reduces adverse selection problems, but risk classification, like monitoring for moral hazard, is potentially costly. Compulsory insurance coverage can mitigate. | Campaign for Children s ealth Ca Why Health Insurance Matters for Children A great deal of public attention has been given to the gains in children s health insurance coverage made in recent years. But while public program expansions have driven significant increases in the number of children who are insured more than 9 million still lack health insurance that s one out of every eight This fact sheet discusses several important reasons why health insurance makes a real difference in children s lives. Six Good Reasons Why Children Should Have Health Insurance 1. Children with insurance are more likely to have a usual source of care. 2. Children with insurance are more likely to have access to preventive care. 3. Children with insurance get the health care services they need. 4. Insuring children will help close the racial disparities gap. 5. Health insurance helps improve social and emotional development. 6. Insured children are better equipped to do well in school. More than 9 million children in the . are currently missing out on the benefits both physical and developmental that health insurance provides. From enabling access to basic health care services to preventing problems that can make a difference for a lifetime health insurance matters for children. It is time that all children be given the same opportunity for a healthy start. State Studies Pennsylvania A study comparing children in Pennsylvania before and one year after they got public health insurance coverage found that children were 11 times more likely to lack a usual source of care when they were uninsured than they were after becoming 1 Children with insurance are more likely to have a usual source of care. A usual source of care is the medical provider a person sees regularly for primary care. For a child this is usually a pediatrician. Having a usual source of care helps ensure that the provider knows the child s medical history. It also helps ensure that the family has a

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