diuretics and beta-blockers. We use a prescription micro dataset where both patients and physicians can be followed over time … important for the choice of drug among new patients. Among existing patients the effect of physician preferences is mitigated by …%). -- pharmaceuticals ; physician behavior ; habit formation ; mixed logit estimator …

This paper considers a model of defensive medicine where doctors are imperfect agents of insured patients. A national … insurer subsidises both curative and preventive medical care consumed by risk averse patients. We show that in such an …