Moral hazard and selection for voluntary deductibles
نویسندگان
چکیده
منابع مشابه
Shifted deductibles for high risks: more effective in reducing moral hazard than traditional deductibles.
In health insurance, a traditional deductible (i.e. with a deductible range [0,d]) is in theory not effective in reducing moral hazard for individuals who know (ex-ante) that their expenditures will exceed the deductible amount d, e.g. those with a chronic disease. To increase the effectiveness, this paper proposes to shift the deductible range to [s(i),s(i)+d], with starting point s(i) dependi...
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ژورنال
عنوان ژورنال: Health Economics
سال: 2020
ISSN: 1057-9230,1099-1050
DOI: 10.1002/hec.4134