Centro de Documentacion de Fundación MAPFRE - The Role of prices relative to supplemental benefits and service quality in health plan choice

MAP20190019651

The Role of prices relative to supplemental benefits and service quality in health plan choice / Christian Bünnings... [et al.]

35 p.

Sumario: This article links representative enrollee panel data to health plan data on (1) prices, (2) service quality, and (3) nonessential benefits for the German statutory multipayer market and the years 20072010. We first show that although heavy federal regulation ensures a simple choice architecture, the majority of health plans are dominatedeven when considering four nonprice attributes. Enrollees in dominated plans are older, less educated, and unhealthier. Second, we assess how switchers value prices relative to nonprice health plan attributes. Our mixed logit models incorporate a total of 1,700 health plan choices with each more than 50 choice sets. While prices are an important determinant for nearly everyone, 40 percent of all switchers do not seem to value service quality and supplemental benefits when choosing health plans

En: The Journal of risk and insurance. - Nueva York : The American Risk and Insurance Association, 1964- = ISSN 0022-4367. - 03/06/2019 Volumen 86 Número 2 - junio 2019 , p. 415-449

1. Mercado de seguros . 2. Gerencia de riesgos . 3. Seguro de asistencia sanitaria . 4. Alemania . I. Título.