Utilization and selection in an ancillaries health insurance market

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      <subfield code="a">I study two important aspects of the Australian private ancillaries health insurance (PAHI) marketmoral hazard and self-selection. PAHI covers out-of-hospital health services including dental, optometry, physiotherapy, and chiropractic. Using instrumental variables methods, I find evidence that PAHI increases utilization, particularly for dental, physiotherapy, chiropractic, osteopathy, and acupuncture. I also find evidence of selection effectsboth adverse and favorable. Several variables jointly predict a person's propensity to insure and to utilize health services. There is little evidence of self-selection based on the joint probability of different health services, which has important implications for understanding the commercial success of PAHI.</subfield>
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      <subfield code="t">The Journal of risk and insurance</subfield>
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      <subfield code="g">02/12/2019 Volumen 86 Número 4 - diciembre 2019 , p. 989-1017</subfield>
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