Table 4.
Average overcompensation (Euros) in 2008 of ‘new enrollees on 1 January 2009’ and average overcompensation in 2009 of ‘disenrollees on 1 January 2009’, per insurer, after applying the Dutch risk equalization model 2012 (excluding the costs of mental care)
| Health insurer (in 2009) | Enrollees on 1 January 2009 | Disenrollees on 1 January 2009 |
|---|---|---|
| Average overcompensation in the year before the switch (2008) | Average overcompensation in the year after the switch (2009) | |
| 1 | 123* | –27 |
| 2 | 35 | –54 |
| 3 | –45 | –142 |
| 4 | 39* | 17 |
| 5 | 77* | –5 |
| 6 | 68* | 66* |
| 7 | 45* | 129* |
| 8 | 60* | 78* |
| 9 | 132 | –47 |
| 10 | 70* | –12 |
| 11 | –10 | –35 |
| 12 | 81* | 41* |
| 13 | 108* | 5 |
| 14 | 75* | 55* |
| 15 | 112* | 13 |
| 16 | 13 | 40 |
| 17 | 81* | 38 |
| 18 | 123* | 89* |
| 19 | 197* | 26 |
| 20 | 115* | 58* |
| 21 | 163* | –50 |
| 22 | 126* | 57 |
| 23 | 116* | –3 |
| 24 | 76 | 30 |
| 25 | 201* | –192* |
The insurers are ordered based on decreasing ‘average residual expenses’ in 2009 for the non-switchers (with insurer 25 having the lowest ‘average residual expenses’). The average expenses per insured in 2009 were 1570 euro
Source Van de et al. [24]
Negative overcompensation = undercompensation
* Significant (p < 0.05)