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翻訳と辞書　辞書検索 [ 開発暫定版 ] スポンサード リンク Young invincibles ： ウィキペディア英語版 Young invincibles Members of the United States population between the ages of 18 and 29 who decide that it is in their financial best interest to forgo health insurance are sometimes referred to as young invincibles by the insurance industry, a term coined to express the idea that the young demographic perceives themselves as immune to sickness and injury. The argument is that these individuals are young and in good health, so they have a low risk of experiencing substantial health issues that would lead to large amounts of spending on health care. Further, this group tends to have a mentality of “it won’t happen to me” with regards to most causes of injury. Together, these beliefs lead to the young invincibles not purchasing insurance. ==Insurance market effects== There are risks associated with the young invincibles choosing to operate outside of the health insurance market, stemming from the economic phenomenon of adverse selection.〔 Adverse selection is a principle describing the situation where people purchase insurance based on their expected use. People who anticipate using the most medical services purchase the most generous insurance plans, while people who do not expect to use many medical services are inclined not to purchase insurance at all. Due to the risk-spreading design of insurance, the adverse selection associated with the young invincibles leads to higher premiums for people who choose to purchase health insurance. As insurance premiums rise, more healthy people decide that it is not worth the higher prices, and drop out of the market, leading to what is called the “adverse selection death spiral (insurance).”〔 By contrast, if young adults purchase insurance but continue to utilize very little health care services, the money they pay in premiums can go towards support the expenditures of people utilizing many health care services. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Young invincibles」の詳細全文を読む スポンサード リンク 翻訳と辞書 : 翻訳のためのインターネットリソース Copyright(C) kotoba.ne.jp 1997-2016. All Rights Reserved.