deductibles of 1,500 CHF and 2,500 CHF (1CHF = 1$) per calendar year. While there is a minimum deductible level in Switzerland …, individuals are free to increase their deductible and thereby reduce their insurance premium. In order to distinguish between … change in 2005 that introduced the higher deductible for the first time. The results show that selection leads to …

increased branded drug utilization, with the effect for patients with AD being much smaller than the other groups (3% vs 19 …−20%), and decreased generic drug utilization for all groups (2−4%). Conclusions: Patients’ responses to price changes vary …