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Deductibles in Health Insurance: Pay or Pain?

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Forfattere:

Asheim, Geir B., Tore Nilssen and Anne Wenche Emblem

År:

2002

Referanse:

HERO Skrifter
Nummer i serie: 13

Summary

We study a health-insurance market where individuals are offered 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 suffciently 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.

Nøkkelord:

health insurance, adverse selection, deductibles

JEL:

I11, D82

Prosjekt info:

Oppdragsgiver: Norges forskningsråd
Oppdragsgivers prosjektnr.:
Frisch prosjekt: 4101 - Økonomi og helse

ISBN:

82-7756-092-3

Finansiering:

Research Council of Norway through HERO - the Health Economics Research Programme at the University of Oslo.