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Deductibles in Health Insurances: Pay or Pain?

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Author Info
Asheim, Geir B. () (Dept. of Economics, University of Oslo)
Emblem , Anne Wenche (School of Management, Agder University College)
Nilssen, Tore () (Dept. of Economics, University of Oslo)

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Abstract

We study a health-insurance market where individuals are o.ered coverage against both medical expenditures and losses in income. Individuals vary in their level of innate ability. If there is private information about the probability of illness and an individual’s innate ability is su.ciently low, we find that competitive insurance contracts yield screening partly in the form of co-payment, i.e., a deductible in pay, and partly in the form of reduced medical treatment, i.e., a deductible in pain.

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File URL: http://www.oekonomi.uio.no/memo/memopdf/memo1302.pdf
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Publisher Info
Paper provided by Oslo University, Department of Economics in its series Memorandum with number 13/2002.

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Length: 17 pages
Date of creation: 17 Jun 2003
Date of revision:
Publication status: Published in International Journal of Health Care Finance and Economics, 2003, pages 253-266.
Handle: RePEc:hhs:osloec:2002_013

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Postal: Department of Economics, University of Oslo, P.O Box 1095 Blindern, N-0317 Oslo, Norway
Phone: 22 85 51 27
Fax: 22 85 50 35
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Web page: http://www.oekonomi.uio.no/indexe.html
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Related research
Keywords: health insurance; adverse selection; deductibles;

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Find related papers by JEL classification:
D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information
I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets

References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:

  1. Asheim,G.B. & Emblem,A.W. & Nilssen,T., 2000. "Health insurance : treatment vs. compensation," Memorandum 40/2000, Oslo University, Department of Economics. [Downloadable!]
    Other versions:
  2. Frech, H. III, 1994. "State-dependent utility and the tort system as insurance: Strict liability versus negligence," International Review of Law and Economics, Elsevier, vol. 14(3), pages 261-271, September. [Downloadable!] (restricted)
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Cited by:
(explanations, Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.)

  1. Karolin Becker & Peter Zweifel, 2005. "Cost Sharing in Health Insurance: An Instrument for Risk Selection?," Working Papers 0513, University of Zurich, Socioeconomic Institute. [Downloadable!]
Statistics
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This page was last updated on 2009-11-26.

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