Sapelli, Claudio; Vial, Bernardita - Instituto de Economía, Facultad de Ciencia Económicas … - 2001
In Chile, dependant workers are mandated to purchase health insurance and they can chose between one public provider … public insurance. Independent workers, however, are not mandated. In this case, we analyze the relationship between … utilization and the decision to purchase insurance. The results show adverse selection against insurance companies for independent …