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6/4/2018: Reclassification Risk in the Small Group Health Insurance Market (National Bureau of Economic Research [NBER]; purchase required for full document)
"[The authors] evaluate reclassification risk and adverse selection in the small group insurance market from a period before ACA community rating regulations. Using detailed individual-level data from a large insurer, [they] find a pass through of 5-43% from expected health risk to premiums. This limited reclassification risk cannot be explained by market power or search frictions but may be due to implicit long-term contracts."
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