deductible, while in the second firm pharmaceuticals were exempt. Employees in the first firm shifted the timing of drug …

patients may affect other patient groups. This paper examines how marginal shifts in the demand for services among the adult …Doctors and hospitals in the United States serve patients covered by many types of insurance. This overlap in the …I provide a simple theoretical framework for understanding how changes in the demand for care among adults under 65 may …

Health insurance plans increasingly pay for expenses only beyond a large annual deductible. This paper explores the … implications of deductibles that reset over shorter timespans. We develop a model of insurance demand between two actuarially … equivalent deductible policies, in which one deductible is larger and resets annually and the other deductible is smaller and …

Expanding insurance coverage could, by insulating patients from having to pay full cost, encourage the utilization of … effect of the Affordable Care Act (ACA) on the volume and composition of ambulance dispatches. Consistent with the argument … dispatches for more severe injuries, dispatches for minor injuries rose sharply after the implementation of the ACA. By contrast …

Study to estimate a structural model of the demand for health insurance and medical care. Using a two-step semi …-parametric estimation strategy we find significant evidence of moral hazard, but not of adverse selection …