Would you go to the dentist more often if it were free? Observational data is here used to analyze the impact of full-coverage insurance on dental care utilization using different identification strategies. The challenge of assessing the bite of moral hazard without an experimental study design is to separate it from adverse selection, as agents act on private and generally unobservable information. By utilizing a quasi-experimental feature of the insurance scheme the moral hazard effect is identified on observables, and by having access to an instrument the effect is identified with IV. Moral hazard is assessed using both difference-in-differences and cross-sectional estimations.
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Length: 51 pages Date of creation: 28 Nov 2006 Date of revision: Handle: RePEc:hhs:hastef:0642
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Find related papers by JEL classification: D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
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