Rand兰德：2024年公众对保险风险定价和风险分担的态度调研报告（英文版）

Insurance is an important societal mechanism that helps allocate costs of various risks. The allocation will depend on how the insurance is priced. At one end of the spectrum, insurance can be priced without restriction based on an insurer’s best estimate of the risk posed by the insured individual. At the other, the collective costs can be pooled so that individuals pay the same regardless of their risk. In the latter case, low-risk policyholders cross-subsidize high-risk policyholders. Crit