Wählbare Selbstbehalte in der Krankenversicherung der Schweiz: Nachfragesteuerung oder Selektion?
This paper discusses if the choice of a higher deductible in mandatory Swiss health insurance leads to a reduction of health care utilization. A GMM estimator which takes into account the potential endogeneity of the choice of the deductible is used to analyze the number of physician visits. The data from the Swiss Health Survey 2002 allow for a correct modeling of the sequence of choice of the deductible and ensuing health care utilization. Individuals were interviewed at the time of choice of the deductible and six months later. The results indicate that the observed lower number of physician visits among individuals who opted for a high deductible is caused by self-selection of healthier individuals and of individuals with less preference for health care into contracts with high deductibles. An incentive induced behavioral change towards a more parsimonious utilization of health care services cannot be found
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- Martin Schellhorn, 2001. "The effect of variable health insurance deductibles on the demand for physician visits," Health Economics, John Wiley & Sons, Ltd., vol. 10(5), pages 441-456.
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- Frank Windmeijer & Joao Santos Silva Santos Silva, 1996. "Endogeneity in count data models; an application to demand for health care," IFS Working Papers W96/15, Institute for Fiscal Studies.
- John Mullahy, 1997. "Instrumental-Variable Estimation Of Count Data Models: Applications To Models Of Cigarette Smoking Behavior," The Review of Economics and Statistics, MIT Press, vol. 79(4), pages 586-593, November.
- Andreas Werblow, 2002. "Alles nur Selektion?: Der Einfluss von Selbstbehalten in der Gesetzlichen Krankenversicherung," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, vol. 71(4), pages 427-436. Full references (including those not matched with items on IDEAS)