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Utilization and selection in an ancillaries health insurance market

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<title>Utilization and selection in an ancillaries health insurance market</title>
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<namePart>Kettlewell, Nathan</namePart>
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<dateIssued encoding="marc">2019</dateIssued>
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<abstract displayLabel="Summary">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.</abstract>
<note type="statement of responsibility">Nathan Kettlewell</note>
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<topic>Seguro de salud</topic>
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<topic>Mercado de seguros</topic>
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<topic>Cálculo actuarial</topic>
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<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080638146">
<geographic>Australia</geographic>
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<classification authority="">344.1</classification>
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<title>The Journal of risk and insurance</title>
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<originInfo>
<publisher>Nueva York : The American Risk and Insurance Association, 1964-</publisher>
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<identifier type="issn">0022-4367</identifier>
<identifier type="local">MAP20077000727</identifier>
<part>
<text>02/12/2019 Volumen 86 Número 4 - diciembre 2019 , p. 989-1017</text>
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