- The deductible in health insurance: do the insured make a choice based on the arguments as intended by the policy makers?
- UvA-Econometrics Discussion Paper
- Number of pages
- Faculteit Economie en Bedrijfskunde
- Document type
- Working paper
- Faculty of Economics and Business (FEB)
- Amsterdam School of Economics Research Institute (ASE-RI)
This paper analyzes the decision to accept a deductible or not in the case of health insurance in the Netherlands. A simultaneous model, specifying both the the choice for a deductible and the number of doctor visits, is estimated on Dutch data from 2007. The results indicate that the choice for a deductible does not depend on the health status of individuals and the expected demand for health care in case of having or not having decided for a deductible. As a result, the main argument of the Dutch government for the introduction of a deductible, making people more aware of the health costsm, appears not to be relevant.
Keywords: demand for health care, health insurance, deductibles, count data model, copula estimation technique.
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