English, Article, Journal or magazine article edition: Deductibles in Health Insurance: Pay or Pain? Asheim, Geir B.; Nilssen, Tore; Emblem, Anne Wenche

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Bookmark: http://trove.nla.gov.au/version/147897
Physical Description
  • preprint
Language
  • English

Edition details

Title
  • Deductibles in Health Insurance: Pay or Pain?
Author
  • Asheim, Geir B.
  • Nilssen, Tore
  • Emblem, Anne Wenche
Physical Description
  • preprint
Notes
  • We study a health-insurance market where individuals are offered coverage against both medical expenditures and losses in income. Individuals vary in their level of innate ability. If there is private information about the probability of illness and an individual’s innate ability is sufficiently low, we find that competitive insurance contracts yield screening partly in the form of co-payment, i.e., a deductible in pay, and partly in the form of reduced medical treatment, i.e., a deductible in pain.
  • Health insurance; adverse selection; deductibles
  • RePEc:hhs:oslohe:2002_013
Language
  • English
Contributed by
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