If you were experience-rating an employer group for whom you had multiple years of claims data, how would you determine a reasonable weighting to apply to each year of data?
Three questions:
1) Assuming 3 years of experience and stable enrollment, how would you weight the three years?
2) Assuming 3 years of experience and growing enrollment (300, 400, 500), how would you weight the three years?
3) Assuming 3 years of experience and decreasing enrollment (500, 400, 300), how would you weight the three years?
Are there any group characteristics where you would weight all three years equally? Or if 4 years, all 4 years equally? Same for 2 years?
Three questions:
1) Assuming 3 years of experience and stable enrollment, how would you weight the three years?
2) Assuming 3 years of experience and growing enrollment (300, 400, 500), how would you weight the three years?
3) Assuming 3 years of experience and decreasing enrollment (500, 400, 300), how would you weight the three years?
Are there any group characteristics where you would weight all three years equally? Or if 4 years, all 4 years equally? Same for 2 years?
credibility question - experience rating employer groups, multiple years claims data
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