Búsqueda
Centro de Documentación y Conocimiento

Heterogeneity in health insurance choice : an experimental investigation of consumer choice and feature preferences
Acceso al documento / Access the document
MAP20260003535
Heterogeneity in health insurance choice : an experimental investigation of consumer choice and feature preferences / Benedicta Hermanns...[et al.]
Sumario: This study examines heterogeneity in health insurance choices through a controlled laboratory experiment. Participants selected plans with varying premiums, deductibles, and complementary coverage, and their individual risk preferences were later measured using a rank-dependent expected utility model. The results show substantial variation in willingness to pay, a general tendency to pay above expected value for low-probability high-cost risks, and evidence of heuristic-driven decisions. The study identifies several decision profiles and concludes that neither normative nor descriptive models fully capture the observed behavior
En: The Journal of risk and insurance. - Nueva York : The American Risk and Insurance Association, 1964- = ISSN 0022-4367. - 17/11/2025 Volumen 92 Número 4 - noviembre 2025 , p. 1096 - 1121
1. Seguro de salud ‌. 2. Comportamiento del consumidor ‌. 3. Mercado de seguros ‌. 4. Coberturas ‌. I. Hermanns, Benedicta ‌. II. American Risk and Insurance Association ‌. III. Título.