Risk Adjustment Research Working Group 736: Foreign Seasonal Workers

Fears have been expressed in the House of Representatives that health insurers may be applying risk selection through insurance policies targeted specifically at foreign seasonal workers. The aim of this study was to ascertain whether there is overcompensation for foreign seasonal workers in risk adjustment, and the answer is yes, there is. Foreign seasonal workers who worked in the Netherlands in 2012 show a positive result of about 320 euros per insured per year. Even if insurers are not able to collect the deductibles from non-residents the result remains positive, at about 285 euros. This is an estimate, as there are some uncertainties in the costs recorded for non-residents.