health insurance through subsidies and penalty. We use administrative data from Australia to study how high-income earners … rates. Our setting is particularly interesting because means testing creates different incentives at the extensive and … intensive margins. Specifically, we could expect to see higher take-up of insurance coupled with downgrading to less expensive …

We develop a new approach to quantify how patients respond to dynamic incentives in health insurance contracts with a … large Dutch health insurer we find that individuals are forward-looking. Changing dynamic incentives by increasing the … level. The response to dynamic incentives is an important part of the overall effect of cost-sharing schemes on healthcare …

differences in health translate into a substantially higher (30%) risk of applying for disability insurance (DI) in the … work conditions on worker health; (iii) the impact of differential employer incentives to reintegrate ill workers; and (iv …

-hours care, and may even prove harmful if incentives are not well-targeted. …

New South Wales, Australia. Our estimates indicate that the subsidies expanded access to oral chemotherapy for newly … responses to policy changes in financial incentives. …

Penalty mandates are used in many countries to encourage people to purchase health insurance. But are they effective …

This paper analyses the relationship between locus of control (LOC) and the demand for supplementary health insurance … take up supplementary private health insurance (SUPP). The increase in the probability to have a SUPP due to one standard …, we find comparable results using data from Australia, which enhances the external validity of our results. …

The Extended Medicare Safety Net (EMSN) in Australia was designed to provide financial assistance to patients with high … design is similar to many types of insurance products that have large deductibles and are applied on a calendar year basis … checks. These findings have important implications for the design of the EMSN, as well as other insurance products. …

the Household Income and Labour Dynamics in Australia. We find that the opportunity costs of becoming a teacher vary by …