Exclusive Contracts

[rakhkovs]

Hi, I'm working on my dissertation in economics about health insurance. I have some data on group health insurance contracts and some these contracts are exclusive. So, employer can't invite another insurer to compete with the first one. Could you please share you views on the following questions, your feedback is very much appreciated.

Do you guys use these contracts?

Can they really protect against the entry of cheap low quality insurer who would take all good risks?

What is the usual punishment for the employer who breaks this contract by inviting another insurer if any?

Do you need exclusive contract if you offer only high insurance contract or you may use them even if you offer a variety of low and high insurance contracts?

Is there trade off: managed competition will get employer low for insurance prices, however exclusive contract may get employer more (better quality) insurance (I assume employer is large enough to be attractive for several insurers?

If insurer offer several contracts to an employer how often is there subsidies from low insurance contracts to high insurance contract? I would think if these subsidies exist they would be more profound if there is an exclusive contract?

Thank you very much, I would be happy to hear your thoughts on these issues.