Insurance Search and Switching Behaviour at the time of the Dutch Health Insurance Reform

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Insurance Search and Switching Behaviour at the time of the Dutch Health Insurance Reform

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Bolhaar, J
Lindeboom, M
van der Klaauw, B

Additional information is available for the following registered author(s):

Bas van der Klaauw

Abstract

The Netherlands introduced a new health insurance system in January 2006, a system based on managed competition. Such a system critically hinges on consumers that search. It is for this reason we think it is important to investigate the extend to which consumers search, how they search and why they search ´or don’t search. The price dispersion observed in the insurance market after the reform suggests the number of consumers that searches is low. We set up a search model for insurance that includes the main features of the Dutch health insurance market after the reform and test the hypotheses from this model on the data.

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Paper provided by HEDG, c/o Department of Economics, University of York in its series Health, Econometrics and Data Group (HEDG) Working Papers with number 09/14.

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Date of creation: Jul 2009
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Handle: RePEc:yor:hectdg:09/14

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This paper has been announced in the following NEP Reports:

NEP-ALL-2009-07-28 (All new papers)
NEP-HEA-2009-07-28 (Health Economics)
NEP-IAS-2009-07-28 (Insurance Economics)

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Richard Frank & Karine Lamiraud, 2008. "Choice, Price Competition and Complexity in Markets for Health Insurance," NBER Working Papers 13817, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
Other versions:
- Frank, Richard G. & Lamiraud, Karine, 2009. "Choice, price competition and complexity in markets for health insurance," Journal of Economic Behavior & Organization, Elsevier, vol. 71(2), pages 550-562, August. [Downloadable!] (restricted)
Strombom, Bruce A. & Buchmueller, Thomas C. & Feldstein, Paul J., 2002. "Switching costs, price sensitivity and health plan choice," Journal of Health Economics, Elsevier, vol. 21(1), pages 89-116, January. [Downloadable!] (restricted)
Nicole Tapay & Francesca Colombo, 2004. "Private Health Insurance in the Netherlands: A Case Study," OECD Health Working Papers 18, OECD, Directorate for Employment, Labour and Social Affairs. [Downloadable!]
Jeffrey R. Brown & Austan Goolsbee, 2002. "Does the Internet Make Markets More Competitive? Evidence from the Life Insurance Industry," Journal of Political Economy, University of Chicago Press, vol. 110(3), pages 481-507, June. [Downloadable!] (restricted)
Other versions:
- Brown, Jeffrey, 2000. "Does the Internet Make Markets More Competitive? Evidence from the Life Insurance Industry," Working Paper Series rwp00-007, Harvard University, John F. Kennedy School of Government. [Downloadable!]
Maarten C. W. Janssen & José Luis Moraga-González, 2004. "Strategic Pricing, Consumer Search and the Number of Firms," Review of Economic Studies, Blackwell Publishing, vol. 71(4), pages 1089-1118, October. [Downloadable!] (restricted)
Stahl, Dale O, II, 1989. "Oligopolistic Pricing with Sequential Consumer Search," American Economic Review, American Economic Association, vol. 79(4), pages 700-712, September. [Downloadable!] (restricted)
Janssen, Maarten C.W. & Moraga-Gonzalez, Jose Luis & Wildenbeest, Matthijs R., 2005. "Truly costly sequential search and oligopolistic pricing," International Journal of Industrial Organization, Elsevier, vol. 23(5-6), pages 451-466, June. [Downloadable!] (restricted)
Mark Pauly & Bradley Herring & David Song, 2006. "Information Technology and Consumer Search for Health Insurance," International Journal of the Economics of Business, Taylor and Francis Journals, vol. 13(1), pages 45-63, February. [Downloadable!] (restricted)

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