Utilization and selection in an ancillaries health insurance market
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|---|---|---|---|
| LDR | 00000cab a2200000 4500 | ||
| 001 | MAP20200001515 | ||
| 003 | MAP | ||
| 005 | 20200121111502.0 | ||
| 008 | 200120e20191202esp|||p |0|||b|spa d | ||
| 040 | $aMAP$bspa$dMAP | ||
| 084 | $a344.1 | ||
| 100 | 1 | $0MAPA20200000877$aKettlewell, Nathan | |
| 245 | 1 | 0 | $aUtilization and selection in an ancillaries health insurance market$cNathan Kettlewell |
| 520 | $aI 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. | ||
| 650 | 4 | $0MAPA20080573867$aSeguro de salud | |
| 650 | 4 | $0MAPA20080586294$aMercado de seguros | |
| 650 | 4 | $0MAPA20080579258$aCálculo actuarial | |
| 651 | 1 | $0MAPA20080638146$aAustralia | |
| 773 | 0 | $wMAP20077000727$tThe Journal of risk and insurance$dNueva York : The American Risk and Insurance Association, 1964-$x0022-4367$g02/12/2019 Volumen 86 Número 4 - diciembre 2019 , p. 989-1017 |