Seit einigen Jahren wird in Deutschland über Veränderungen in der Finanzierungund im Leistungskatalog des Krankenversicherungssystems intensiv diskutiert. Dabeiwerden häufig problematische Anreizstrukturen im Hinblick auf das Verhaltender Versicherten genannt. Insbesondere haben Versicherte...

Health Plan Choice Abstract: This paper provides field evidence on (a) how price framing affects consumers’ decision to switch health insurance plans and (b) how the price elasticity of demand for health insurance can be influenced by policymakers through simple regulatory efforts. In 2009, in...

Deductibles in health insurance are often regarded as a means to contain health care costs when individuals exhibit moral hazard. However, in the absence of moral hazard, voluntarily chosen deductibles may instead lead to self-selection into different insurance contracts.We use a set of new...

One of the main features of health insurance is moral hazard, as defined by Pauly (1968); people face incentives for excess utilization of medical care since they do not pay the full marginal cost for provision. To mitigate the moral hazard problem, a coinsurance can be included in the insurance...

In 2003 the Government of Ghana established a National Health Insurance Scheme (NHIS) to improve health care access for Ghanaians and eventually replace the cashand- carry system. This study evaluates the NHIS to determine whether it is fulfi lling its purpose in the context of the Millennium...

The paper examines whether a worker's sick absence behaviour influences the risk of becoming unemployed. Swedish panel data are used to estimate the relationship between the incidence and duration of sick leave and subsequent unemployment. The results indicate that an increase in the number of...

This paper examines the incentive effects caused by the interactions between unemployment insurance (UI) and sickness insurance (SI), two important components of Sweden's social insurance system. There are two main topics of interest: how the sickness report rate and the length of the subsequent...