<?xml version="1.0" encoding="UTF-8"?><xml><records><record><source-app name="Biblio" version="7.x">Drupal-Biblio</source-app><ref-type>17</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">Bauhoff, Sebastian</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">Do Health Plans Risk-Select? An Audit Study on Germany’s Social Health Insurance</style></title><secondary-title><style face="normal" font="default" size="100%">Journal of Public Economics</style></secondary-title></titles><dates><year><style  face="normal" font="default" size="100%">2012</style></year></dates><urls><web-urls><url><style face="normal" font="default" size="100%">http://www.sciencedirect.com/science/article/pii/S004727271200059X</style></url></web-urls></urls><volume><style face="normal" font="default" size="100%">96</style></volume><pages><style face="normal" font="default" size="100%">750–759</style></pages><language><style face="normal" font="default" size="100%">eng</style></language><abstract><style face="normal" font="default" size="100%">&lt;p&gt;This paper evaluates whether health plans in Germany's Social Health Insurance select on an easily observable predictor of risk: geography. To identify plan behavior separately from concurrent demand-side adverse selection, I implement a double-blind audit study in which plans are contacted by fictitious applicants from different locations. I find that plans are less likely to respond and follow-up with applicants from higher-cost regions, such as West Germany. The results suggest that supply-side selection may emerge even in heavily regulated insurance markets. The prospect of risk selection by firms has implications for studies of demand-side selection and regulatory policy in these settings.&lt;/p&gt;
</style></abstract><issue><style face="normal" font="default" size="100%">9-10</style></issue><work-type><style face="normal" font="default" size="100%">Revise and resubmit at the Journal of Public Economics</style></work-type></record></records></xml>