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Information technology and information asymmetry: the future of private individual health insurance

机译：信息技术和信息不对称：私人个人健康保险的未来

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The amount of available information, and the statistical ability to find patterns in it fundamentally alter risk pooling. This threatens to alter the structure of the insurance industry, and potentially to destroy insurability, as we will see. While too much information destroys risk pooling and rating, too little information, or one party with far more information than the other, likewise can destroy the structure of the industry. The regulatory implications, not yet understood, will be profound. The authors present the results of their analyses of the relationships among consumers' riskiness and risk aversion, information asymmetry, adverse self selection, policy pricing, and consumer choice, including choice among alternative forms of insurance policies. They review selected references, including those on information technology and market segmentation, and on information endowment and the insurance industry specifically.
机译：可用信息的数量以及在其中找到模式的统计能力从根本上改变了风险汇总。正如我们将看到的那样，这有可能改变保险业的结构，并有可能破坏可保性。尽管太多的信息会破坏风险汇总和评级，但信息太少或一方拥有比另一方更多的信息，同样会破坏行业结构。尚不了解的监管含义将是深远的。作者介绍了他们对消费者风险和规避风险，信息不对称，不利的自我选择，保单定价和消费者选择（包括在其他保险形式中进行选择）之间关系的分析结果。他们审查了选定的参考文献，包括有关信息技术和市场细分以及有关信息information赋和保险业的参考文献。

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