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Pre-welfare state provision and adverse selection: enrolment in a Swedish nationwide health insurance society
Umeå University, Faculty of Social Sciences, Centre for Demographic and Ageing Research (CEDAR). Umeå University, Faculty of Social Sciences, Unit of Economic History.ORCID iD: 0000-0002-1413-3707
Umeå University, Faculty of Social Sciences, Umeå Centre for Gender Studies (UCGS). Umeå University, Faculty of Social Sciences, Centre for Demographic and Ageing Research (CEDAR).ORCID iD: 0000-0003-2591-6579
Faculty of Economics and Business, Groningen University, the Netherland.
2023 (English)In: Financial History Review, ISSN 0968-5650, E-ISSN 1474-0052, Vol. 30, no 1, p. 74-99Article in journal (Refereed) Published
Abstract [en]

Mutual benefit societies evolved as the major provider for sickness, accident and life insurance in the late nineteenth and early twentieth centuries on both sides of the Atlantic. One of the major problems facing insurers was the risk of adverse selection, i.e. that unhealthy individuals had more incentives than healthy individuals to insure when priced for the average risk. By empirically examining whether longevity among insured individuals in a nationwide mutual health society was different from a matched sample of uninsured individuals, we seek to identify the presence of adverse selection. We find no compelling evidence showing that unhealthy individuals were more likely to insure, or reasons to believe that problems related to adverse selection would have been a major reason for government intervention in the health insurance market in Sweden.

Place, publisher, year, edition, pages
Cambridge University Press, 2023. Vol. 30, no 1, p. 74-99
Keywords [en]
adverse selection, mutual benefit societies, life insurance, Sweden, health insurance societies
National Category
Economic History Economics
Identifiers
URN: urn:nbn:se:umu:diva-201599DOI: 10.1017/s0968565022000130ISI: 000897820500001Scopus ID: 2-s2.0-85162269467OAI: oai:DiVA.org:umu-201599DiVA, id: diva2:1718141
Funder
Marianne and Marcus Wallenberg Foundation, 2016.0028Available from: 2022-12-12 Created: 2022-12-12 Last updated: 2024-02-22Bibliographically approved

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Andersson, Lars FredrikLiselotte, Eriksson

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