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Perhaps college plans are inexpensive in part because those insured are generally younger and healthier than the overall population? If a representative sample
by alanbernstein 6y ago
Perhaps college plans are inexpensive in part because those insured are generally younger and healthier than the overall population? If a representative sample of the general population did this, presumably the prices would adjust upward.
- antcas 6y agoThis is part of it, however there's positive price pressure from "anti-selection". Basically healthy young students are more likely to already be insured or be on their parents plans so they opt-out more frequently. Wrote a thread with more deets the other day: https://twitter.com/AnthonyCastrio/status/1298702771986857989 https://twitter.com/AnthonyCastrio/status/129870277198685798...
- IshKebab 6y agoPerhaps, but I think it's more likely just price differentiation the same as any other student discount. Plus universities have better negotiating power than individuals.