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Health Insurance and Ex Ante Moral Hazard: Evidence from Medicare. (2006)

by D Dave, R Kaestner
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Risk protection, service use, and health outcomes under colombia’s health insurance program for the poor

by Grant Miller, Diana Pinto, Marcos Vera-hernández - American Economic Journal: Applied Economics , 2013
"... Unexpected medical care spending imposes considerable financial risk on developing country households. Based on managed care models of health insurance in wealthy countries, Colombia’s Régimen Subsidiado is a publicly financed insurance program targeted to the poor, aiming both to provide risk prote ..."
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Unexpected medical care spending imposes considerable financial risk on developing country households. Based on managed care models of health insurance in wealthy countries, Colombia’s Régimen Subsidiado is a publicly financed insurance program targeted to the poor, aiming both to provide risk protection and to promote allocative efficiency in the use of medical care. Using a “fuzzy ” regression discontinuity design, we find that the program has shielded the poor from some financial risk while increasing the use of traditionally under-utilized preventive services – with measurable health gains.
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...urance coverage on healthsbehaviors (smoking, drinking, and exercise) (Newhouse and the Insurance Experiment Group 1993).sMedicarescoverage has also been reported not to increase unhealthy behaviors (=-=Dave and Kaestner 2006-=-).s17 Popular conditional cash transfer programs – including the Familias en Acción program in Colombia – aim tosincrease the use of preventive services even though they are otherwise available for fr...

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by Van De Calseyde
"... Implicit cues in social interaction and decision making ..."
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Implicit cues in social interaction and decision making

Moral hazard in a mutual health-insurance system:

by A Service Of, Timothy Streb, Timothy W. Guinnane, Jochen Streb , 2009
"... Die Dokumente auf EconStor dürfen zu eigenen wissenschaftlichen ..."
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Die Dokumente auf EconStor dürfen zu eigenen wissenschaftlichen

is given to the source. Incentives in Obesity and Health Insurance

by Inas Rashad Kelly, Available Inas, Rashad Kelly, Inas Rashad, Sara Markowitz, Inas Rashad, Sara Markowitz , 2007
"... Economists meetings. The authors alone are responsible for errors. The views expressed herein are ..."
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Economists meetings. The authors alone are responsible for errors. The views expressed herein are
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...ship between obesity and insurance can be confoundedsby the ex post moral hazard problem if insurance coverage encourages people to visit the doctorsand they receive and follow advice to lose weight (=-=Dave and Kaestner 2006-=-).sHowever, thesextent to which physician advice is given and followed is debatable.sSome studies have shownssuch counseling to be effective in promoting weight loss strategies (Kant and Miner 2007;sL...

NBER WORKING PAPER SERIES INCENTIVES IN OBESITY AND HEALTH INSURANCE

by Inas Rashad Kelly, See Profile, Available Inas, Rashad Kelly, Inas Rashad, Sara Markowitz, Inas Rashad, Sara Markowitz , 2008
"... All in-text references underlined in blue are linked to publications on ResearchGate, letting you access and read them immediately. ..."
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All in-text references underlined in blue are linked to publications on ResearchGate, letting you access and read them immediately.
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...ship between obesity and insurance can be confoundedsby the ex post moral hazard problem if insurance coverage encourages people to visit the doctorsand they receive and follow advice to lose weight (=-=Dave and Kaestner 2006-=-).sHowever, thesextent to which physician advice is given and followed is debatable.sSome studies have shownssuch counseling to be effective in promoting weight loss strategies (Kant and Miner 2007;sL...

New University of Lisboa From the SelectedWorks of Pedro P Barros

by João G Costa, Pedro P Barros, João Costa, Pedro Pita Barros , 2008
"... What determines the individual decision to take preventive actions? ..."
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What determines the individual decision to take preventive actions?
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... define prevention based on smoking andsfrequency of exercise and use probit estimations to evaluate if there is ex-ante morals7shazard. We follow below the same statistical method. Dave and Kaestner =-=[14]-=-sevaluating Medicare (elderly population) insurance in U.S found evidence of ex-antesmoral hazard, after modelling for different patterns for insured/uninsured individualssprior to Medicare (before re...

How Health Insurance Affects Health Care Demand - A Structural Analysis of Behavioral Moral Hazard and Adverse Selection *

by Yingying Dong , Arthur Lewbel , Peter Gottschalk , Shannon Seitz , Zhijie Xiao , Donald Cox
"... Abstract Individuals with health insurance use more health care. One reason is that health care is cheaper for the insured. Additionally, having insurance can encourage unhealthy behavior via moral hazard. Previous work studying the effect of health insurance on medical utilization has mostly ignor ..."
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Abstract Individuals with health insurance use more health care. One reason is that health care is cheaper for the insured. Additionally, having insurance can encourage unhealthy behavior via moral hazard. Previous work studying the effect of health insurance on medical utilization has mostly ignored behavioral changes due to having health insurance, and how that in turn affects medical utilization. This paper investigates the structural causal relationships among health insurance status, health behavior, and medical utilization theoretically and empirically, and separates price effects from behavioral moral hazard effects. Also distinguished are the extensive vs. intensive margins of insurance effects on behavior JEL Codes: C51, I12, D12
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...ct insurance effect that discourage healthy behavior are causalities running from health insurance to medical utilization. The latter two effects cannot be separated without looking at the simultaneous relationships among health insurance, behavior, and health care utilization, even if the adverse selection is accounted for by econometric techniques or experimental designs. Research and findings about moral hazard in the context of health insurance are relatively scanty; however, moral hazard is well documented in other insurance contexts that involve adverse health consequences. For example, Dave and Kaestner (2006) note an increase in car accidents when car insurance is more generous, and an increase in workplace injuries associated with increases in workers’ injury compensation. Intuitively, health insurance may encourage individuals to engage in less healthy behavior because it provides a safety net and lowers the monetary and emotional cost of the resulting negative health consequences. For example, individuals with chronic diseases are more likely to rely on medication instead of behavioral improvement once medication becomes cheaper. This is especially true when the impacts of behavioral improvemen...

Economic Growth Center Discussion Paper No. 987 Did the Cooperative Start Life as a Joint-Stock Company? Business Law and Cooperatives in Spain, 1869-1931

by Timothy W. Guinnane, Susana Martínez-rodríguez , 2010
"... Studies of Spanish cooperatives date their spread from the Law on Agrarian Syndicates of 1906. But the first legislative appearance of cooperatives is an 1869 measure that permitted general incorporation for lending companies. The 1931 general law on cooperatives, which was the first act permitting ..."
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Studies of Spanish cooperatives date their spread from the Law on Agrarian Syndicates of 1906. But the first legislative appearance of cooperatives is an 1869 measure that permitted general incorporation for lending companies. The 1931 general law on cooperatives, which was the first act permitting the formation of cooperatives in any activity, reflects the gradual disappearance of the cooperative’s “business ” characteristics. In this paper we trace the Spanish cooperative’s legal roots in business law and its connections to broader questions of the freedom of association, the formation of joint-stock enterprises, and the liability of investors in business and cooperative entities. Our account underscores the similarities of the organizational problems approach by cooperatives and business firms, while at the same time respecting the distinctive purposes cooperatives served.

that full credit, including © notice, is given to the source. Effects of Welfare Reform on Vocational Education and Training

by Dhaval M. Dave, Nancy E. Reichman, Hope Corman, Dhiman Das, Dhaval M. Dave, Nancy E. Reichman, Hope Corman, Dhiman Das, Dhaval M. Dave , 2011
"... #R01HD060318). The authors are grateful for helpful information on welfare policies vis-à-vis education from Julie Strawn and Elizabeth Lower-Basch, as well as Gilbert Crouse and Don Oellerich of the ..."
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#R01HD060318). The authors are grateful for helpful information on welfare policies vis-à-vis education from Julie Strawn and Elizabeth Lower-Basch, as well as Gilbert Crouse and Don Oellerich of the

Editorial Offi ce

by Timothy Guinnane, Jochen Streb, Prof Dr, Thomas K. Bauer, Prof Dr, Wolfgang Leininger, Prof Dr, Volker Clausen, Prof Dr, Christoph M. Schmidt, Joachim Schmidt
"... The working papers published in the Series constitute work in progress circulated to stimulate discussion and critical comments. Views expressed represent exclusively the authors ’ own opinions and do not necessarily reflect those of the editors. Ruhr Economic Papers #364 Timothy Guinnane and Jochen ..."
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The working papers published in the Series constitute work in progress circulated to stimulate discussion and critical comments. Views expressed represent exclusively the authors ’ own opinions and do not necessarily reflect those of the editors. Ruhr Economic Papers #364 Timothy Guinnane and Jochen Streb Incentives that Saved Lives:
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