Health insurance plans increasingly pay for expenses only beyond a large annual deductible. This paper explores the … equivalent deductible policies, in which one deductible is larger and resets annually and the other deductible is smaller and …

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 …

that was in place was a 350 euro deductible. Our counterfactual experiments show that redistribution would decrease when … the deductible would increase. Nonetheless, high-risk individuals can benefit from higher levels of cost-sharing. The …