000			02284naa a2200181uu 4500
001			0041511363737
003			OSt
005			20190211170924.0
008			100415s2009 xx ||||gr |0|| 0 eng d
100	1		_aFENGER, Menno _932068
245	1	0	_aChallenging solidarity? An analysis of exit options in social policies
260			_aOxford : _bWiley-Blackwell, _cDecember 2009
520	3		_aProcesses of adverse selection are generally considered as challenges to the viability of the solidarity that has been institutionalized in insurance schemes in the social domain. This article analyses to what extent the introduction of free choice in social policies might trigger processes of adverse selection in modern welfare states. Free choice not only concerns the choice between different providers or different types of services, but also creates possibilities to exit or partially exit social policies that previously were mandatory. Free choice in social policies might contribute to increasing responsiveness in service delivery. However, when the decisions to exit social policies are not distributed equally among the participants in social policy schemes but are related to participants' risk profiles, adverse selection might occur. The common response to the challenge of adverse selection is obligatory and universal participation in health insurance schemes, pension schemes and other social policies. The introduction of exit options as part of free choice strategies thus might threaten solidarity. Although the issue of free choice in social policies has received considerable scholarly attention, the introduction of exit options and its consequences have been analysed less extensively. This article sets out to fill this gap by exploring to what extent the introduction of free choice in modern welfare states has created exit options, and to what extent this triggers processes of adverse selection in health policies, unemployment policies and pension schemes in four European countries: the Netherlands, Spain, Sweden and the UK.
773	0	8	_tSocial Policy & Administration _g43, 6, p. 649-665 _dOxford : Wiley-Blackwell, December 2009 _xISSN 01445596 _w
942			_cS
998			_a20100415 _b1136^b _cDaiane
998			_a20100420 _b1618^b _cCarolina
999			_aConvertido do Formato PHL _bPHL2MARC21 1.1 _c32354 _d32354
041			_aeng