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Provincial health services are very responsive to people with a suddenloss of income and inability to pay premiums. The premiums can beadjusted until they have the ability to pay. The medical services as a whole negotiate with pharmaceutical companies so our prescription costs are much lower. I admit to a biased view because our system has saved the lives of two family members. Just ask any Canadian politician what would happen if he or she were to advocate privatization of our medical services. Their political careers would suffer!I only know of one in Alberta, Ralph Klein, who suggested that and the matter was dropped in short order.

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The cost is an opportunity cost as experience rating can mitigate the problems associated with unobserved heterogeneity in claim risk, including mispriced coverage and resulting demand distortions. We assess this cost through a counterfactual analysis in which we explore how risk predictions, premiums, and demand in home insurance and two lines of auto insurance would respond to unrestricted multiline experience rating. Using claims data from a large sample of households, we first estimate the variance covariance matrix of unobserved heterogeneity in claim risk. We then show . We investigate the cost of legal restrictions on experience rating in auto and home insurance. The cost is an opportunity cost as experience rating can mitigate the problems associated with unobserved heterogeneity in claim risk, including mispriced coverage and resulting demand distortions.