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Why we need portable, reliable health-risk scores

Health insurance plans generate risk scores every year for most of the people they cover. Here's why a portable, higher-quality health-risk score could help insurance function better.

By Peter Orszag, Timothy G. Ferris | Updated on October 07, 2016
Risk scores would be much more accurate if they were derived from clinical health data, such as that contained in electronic health records. (Photo: Getty)

(Bloomberg View) –Most Americans know they have a personal credit score, and many know where to find it. Few know they also have a personal health-risk score.

If these were better known, and better constructed, health insurance markets in the U.S. would work more smoothly.

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