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Deductibles in Health Insurances: Pay or Pain?

  • 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)

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File URL: http://www.sv.uio.no/econ/english/research/unpublished-works/working-papers/pdf-files/2002/Memo-13-2002.pdf
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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
Contact details of provider: 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
Web page: http://www.oekonomi.uio.no/indexe.html
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  1. Asheim, Geir & Nilssen, Tore & Emblem, Anne Wenche, 2009. "Health Insurance: Treatment vs. Compensation," HERO On line Working Paper Series 2001:1, Oslo University, Health Economics Research Programme.
  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.
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