No evidence of selection based on household analysis was found, which reinforces the idea of an individual appraisal before enrollment. The results show a strong evidence of dynamic selection from 1997 to 2003, which could take place by favoring both favorable “age load” and good socio economic status (income, education, work type and location) for private insurers. In the final section the principles of a good riskadjustment system suitable for the local scenario are drafted. Secondly, I tried to establish whether cream-skimming (if existed) had real influence in the bankruptcy of the Colombian public insurer, which also would imply failures in the risk-adjustment formula. The first one is whether exists empirical evidence about advantageous selection in the contributory scheme of Colombian health insurance system. Using both cross-section and built-in panel data from DANE Quality of Life Survey in two waves (19) and applying an empirical approach based on binary choice models, the paper tries to solve two main questions. This paper analyses the particular case of the bankruptcy of the biggest public insurer in the Colombian Health insurance system (contributory regime) in order to identify some selection atterns within such an insurance market.
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