کد مقاله کد نشریه سال انتشار مقاله انگلیسی نسخه تمام متن
5077846 1477313 2015 35 صفحه PDF دانلود رایگان
عنوان انگلیسی مقاله ISI
Estimating the tradeoff between risk protection and moral hazard with a nonlinear budget set model of health insurance
ترجمه فارسی عنوان
برآورد تقارن بین حفاظت از خطر و خطر اخلاقی با یک مدل غیر خطی برای بیمه درمانی
موضوعات مرتبط
علوم انسانی و اجتماعی اقتصاد، اقتصادسنجی و امور مالی اقتصاد و اقتصادسنجی
چکیده انگلیسی
Insurance induces a tradeoff between the welfare gains from risk protection and the welfare losses from moral hazard. Empirical work traditionally estimates each side of the tradeoff separately, potentially yielding mutually inconsistent results. I develop a nonlinear budget set model of health insurance that allows for both simultaneously. Nonlinearities in the budget set arise from deductibles, coinsurance rates, and stoplosses that alter moral hazard as well as risk protection. I illustrate the properties of my model by estimating it using data on employer sponsored health insurance from a large firm.
ناشر
Database: Elsevier - ScienceDirect (ساینس دایرکت)
Journal: International Journal of Industrial Organization - Volume 43, November 2015, Pages 122-135
نویسندگان
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