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dc.contributor.author
Pichler, Stefan
dc.contributor.author
Ruffner, Jan
dc.date.accessioned
2018-02-15T15:27:11Z
dc.date.available
2017-06-12T02:31:48Z
dc.date.available
2018-02-15T15:27:11Z
dc.date.issued
2016-03
dc.identifier.uri
http://hdl.handle.net/20.500.11850/114074
dc.identifier.doi
10.3929/ethz-a-010608777
dc.description.abstract
Deductibles are commonly used to tame increasing health care costs. Numerous studies find that higher deductibles reduce health care utilization. In this paper we compare utilization in Switzerland between two health care plans with deductibles of 1,500 CHF and 2,500 CHF (1CHF approx. 1$) per calendar year. While there is a minimum deductible level in Switzerland, individuals are free to increase their deductible and thereby reduce their insurance premium. In order to distinguish between selection and moral hazard we use regional variation in premiums as an instrument. Moreover, we take advantage of a policy change in 2005 that introduced the higher deductible for the first time. The results show that selection leads to considerable differences in utilization between the two groups, while we find no behavioral differences across both groups. If anything health care expenditures are higher for male individuals with the higher deductible, while for females there are no differences between the two deductible levels.
en_US
dc.language.iso
en
en_US
dc.publisher
KOF Swiss Economic Institute, ETH Zurich
dc.rights.uri
http://rightsstatements.org/page/InC-NC/1.0/
dc.subject
Advantageous selection
en_US
dc.subject
Moral hazard
en_US
dc.subject
WIRTSCHAFTLICHE ASPEKTE + FINANZIELLE ASPEKTE (ALLGEMEIN)
en_US
dc.subject
Deductible
en_US
dc.subject
Health insurance
en_US
dc.subject
ÖFFENTLICHES GESUNDHEITSWESEN, GESUNDHEITSPFLEGE UND UNFALLSCHUTZ
en_US
dc.subject
PUBLIC HEALTH, HEALTH CARE AND ACCIDENT PREVENTION
en_US
dc.subject
Instrumental variables
en_US
dc.subject
ECONOMIC ASPECTS + FINANCIAL ASPECTS (GENERAL)
en_US
dc.title
Does it really make a difference? Health care utilization with two high deductible health care plans
en_US
dc.type
Working Paper
dc.rights.license
In Copyright - Non-Commercial Use Permitted
dc.date.published
2016
ethz.title.subtitle
Health care utilization with two high deductible health care plans
en_US
ethz.journal.title
KOF Working Papers
ethz.journal.volume
404
en_US
ethz.size
34 p.
en_US
ethz.code.ddc
3 - Social sciences::330 - Economics
en_US
ethz.code.ddc
6 - Technology, medicine and applied sciences::610 - Medical sciences, medicine
en_US
ethz.identifier.nebis
010608777
ethz.publication.place
Zürich
en_US
ethz.publication.status
published
en_US
ethz.leitzahl
ETH Zürich::00002 - ETH Zürich::00012 - Lehre und Forschung::00007 - Departemente::02120 - Dep. Management, Technologie und Ökon. / Dep. of Management, Technology, and Ec.::03716 - Sturm, Jan-Egbert / Sturm, Jan-Egbert
en_US
ethz.leitzahl
ETH Zürich::00002 - ETH Zürich::00012 - Lehre und Forschung::00007 - Departemente::02120 - Dep. Management, Technologie und Ökon. / Dep. of Management, Technology, and Ec.::02525 - KOF Konjunkturforschungsstelle / KOF Swiss Economic Institute
en_US
ethz.leitzahl.certified
ETH Zürich::00002 - ETH Zürich::00012 - Lehre und Forschung::00007 - Departemente::02120 - Dep. Management, Technologie und Ökon. / Dep. of Management, Technology, and Ec.::03716 - Sturm, Jan-Egbert / Sturm, Jan-Egbert
ethz.leitzahl.certified
ETH Zürich::00002 - ETH Zürich::00012 - Lehre und Forschung::00007 - Departemente::02120 - Dep. Management, Technologie und Ökon. / Dep. of Management, Technology, and Ec.::02525 - KOF Konjunkturforschungsstelle / KOF Swiss Economic Institute
ethz.date.deposited
2017-06-12T02:35:32Z
ethz.source
ECOL
ethz.source
ECIT
ethz.identifier.importid
imp59366b8a3bd0c69412
ethz.identifier.importid
imp593654369df2a42942
ethz.ecolpid
eth:48786
ethz.ecitpid
pub:175845
ethz.eth
yes
en_US
ethz.availability
Open access
en_US
ethz.rosetta.installDate
2017-07-24T09:33:51Z
ethz.rosetta.lastUpdated
2020-02-15T11:18:29Z
ethz.rosetta.versionExported
true
ethz.COinS
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