Huck, Steffen; Lünser, Gabriele; Spitzer, Florian; … - Økonomisk Institut, Københavns Universitet - 2014
stylized way, we study the effects of medical insurance and competition in the guise of free choice of physician. Medical … overtreated. We find that with insurance, moral hazard looms on both sides of the market: patients consult more often and … physicians overtreat more often than in the baseline condition. Competition decreases overtreatment compared to the baseline and …