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Is there an ex-ante moral hazard on Indonesia’s health insurance? An impact analysis on household waste management behavior

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  • Beta Yulianita Gitaharie
  • Rus’an Nasrudin
  • Ayu Putu Arantza Bonita
  • Lovina Aisha Malika Putri
  • Muhammad Abdul Rohman
  • Dwini Handayani

Abstract

The presence of ex-ante moral hazard could undermine the potential gain from expanding health insurance coverage in developing nations. To test the proposition, this study utilizes a nationally representative longitudinal survey with Indonesia’s health insurance for poor policy in 2014 as the quasi-experimental case study. The country represents developing nations that undergo a massive and rapid expansion of health insurance coverage. The empirical approach combines a matching and difference-in-differences method to obviate potential bias of the selectivity nature of health insurance provision and time-invariant unobserved factors. The findings suggest the presence of ex-ante moral hazard in the form of the less people using trash cans associated with the introduction of the subsidized health insurance premium. The results add empirical findings of a negative side effect of expanding health insurance coverage in developing nations.

Suggested Citation

  • Beta Yulianita Gitaharie & Rus’an Nasrudin & Ayu Putu Arantza Bonita & Lovina Aisha Malika Putri & Muhammad Abdul Rohman & Dwini Handayani, 2022. "Is there an ex-ante moral hazard on Indonesia’s health insurance? An impact analysis on household waste management behavior," PLOS ONE, Public Library of Science, vol. 17(12), pages 1-21, December.
    • Handle: RePEc:plo:pone00:0276521
    DOI: 10.1371/journal.pone.0276521
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