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 this paper we present empirical results concerning the interplay between the development of dependency in activities for daily living (ADL),the informal support from a partner, and the mode of public old age care (OAC) services among the very old (75+). We also study excess-mortality...