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Optimal co-insurance rate effect on changes in insurer cost based on dollars
| Class | Cluster | Number of insured | Cost variations for insurers(US$) |
|---|---|---|---|
| Low risk | Cluster 1 | 21,799 | 3,130,463 |
| Cluster 2 | 7170 | 3,451,194 | |
| Cluster 3 | 19,419 | 1,069,859 | |
| Middle risk | Cluster 1 | 48,348 | 29,239,815 |
| Cluster 2 | 23,321 | 13,863,810 | |
| Cluster 3 | 25,107 | 14,573,432 | |
| High risk | Cluster 1 | 14,037 | 4,722,099 |
| Cluster 2 | 28,504 | 6,339,317 | |
| Cluster 3 | 5847 | 19,627,062 |
