Using the age-based insurance eligibility criterion to estimate moral hazard in medical care consumption
نویسندگان
چکیده
منابع مشابه
انواع مخاطرات اخلاقی و پیامدهای آن بر بازار بیمه و نظام سلامت
Background: Insurance coverage has a tendency to alter the consumer and provider's behavior. Moral hazard is a serious problem in all risk pooling systems, such as insurance and taxes-based financial systems that cause negative consequences as increased costs in the health system. Therefore we decide, at this review article, to discuss about moral hazard, in different classifications and effect...
متن کاملInsurance-Induced Moral Hazard: A Dynamic Model of Within-Year Medical Care Decision Making Under Uncertainty⇤
Insurance-induced moral hazard may lead individuals to overconsume medical care. Many studies estimate this overconsumption using models that aggregate medical care decisions up to the annual level. Using employer-employee matched data from the Medical Expenditure Panel Survey (MEPS), I estimate the e↵ect of moral hazard on medical care expenditure using a dynamic model of within-year medical c...
متن کاملThe High Cost of Partial Insurance: Moral Hazard and the Health Care Consumption
Ten percent of teenagers become ineligible for their families’ health insurance coverage on their nineteenth birthdays. Due to the federal Emergency Medical Treatment and Active Labor Act, however, they do not lose access to free emergency room (ER) care. Working from a simple theoretical framework, I exploit the discontinuity in health coverage at age nineteen to assess the effect of partial i...
متن کاملA Life Cycle Analysis of the Effects of Medicare on Individual Health Incentives and Health Outcomes
Medicare is the largest health insurance program in the U.S. This paper analyzes the effects of Medicare on individual health incentives and outcomes resulting from the dynamic trade-off induced by insurance between moral hazard in health related choices and mortality risk. A life cycle human capital model of endogenous decisions about health insurance, medical utilization, alcohol consumption,...
متن کاملEconomic Research Initiative on the Uninsured Working Paper Series BENEFICIAL MORAL HAZARD AND THE THEORY OF THE SECOND BEST
Economic analysis of health insurance markets has long noted that insurance increases consumption of heath care services because it shields individuals from the true price of care. The additional consumption attributed to insurance is often labeled as “moral hazard” and, in standard economic models, is considered to result in welfare loss. The cost associated with additional consumption provide...
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تاریخ انتشار 2016