11/10/2006: Potential Impacts of Adverse Selection on Health Insurance Costs in Consumer Choice Models (Henry J. Kaiser Family Foundation)

Excerpt: [E]ven a small shift in enrollment among enrollees who end up with high health expenses can have a meaningful impact on plan costs. Additional research will be needed to determine whether there is a health difference between people who enroll in new consumer directed health plans and those who choose more comprehensive plans and, if so, how that difference affects plan costs.