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We investigate the presence of moral hazard and advantageous or adverse selection in a market for supplementary health … insurance. For this we specify and estimate dynamic models for health insurance decisions and health care utilization. Estimates … for advantageous selection, largely driven by heterogeneity in education, income and health preferences. Finally, we show …
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health indicators. The results indicate a strong effect of macroeconomic conditions during childhood on mortality at all ages …
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