MacStravic S
University of Colorado, Denver, USA.
Manag Care Q. 1998 Summer;6(3):1-6.
Conventional wisdom holds that the best customers and prospects for managed care are the healthiest consumers. This is true only because of the meager extent to which premiums can be adjusted for varying risk among individuals. If a decent health/risk adjustment system were used, the best consumers for managed care to go after would be the highest-risk, highest users of health care, provided only that risk and use can be improved. The healthiest consumers have both the least potential for improvement and the least reasons for loyalty.
传统观念认为，管理式医疗的最佳客户和潜在客户是最健康的消费者。仅因为保费根据个体风险差异进行调整的幅度很小，才会出现这种情况。如果采用一个合理的健康/风险调整系统，那么管理式医疗应争取的最佳消费者将是风险最高、医疗保健使用最多的人群，前提是风险和使用情况能够得到改善。最健康的消费者改善的潜力最小，忠诚度的理由也最少。
