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Utilization and selection in an ancillaries health insurance market

Recurso electrónico / Electronic resource
Registro MARC
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1001 ‎$0‎MAPA20200000877‎$a‎Kettlewell, Nathan
24510‎$a‎Utilization and selection in an ancillaries health insurance market‎$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
7730 ‎$w‎MAP20077000727‎$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