| 来源类型 | Discussion paper |
| 规范类型 | 论文 |
| 来源ID | DP7942 |
| DP7942 Insurance Search and Switching Behavior | |
| Maarten Lindeboom; Bas van der Klaauw; Jonneke Bolhaar | |
| 发表日期 | 2010-08-01 |
| 出版年 | 2010 |
| 语种 | 英语 |
| 摘要 | This paper looks into the search behavior of consumers in the market for health insurance contracts. We consider the recent health insurance reform in The Netherlands, where a private-public mix of insurance provision was replaced by a system based on managed competition. Although all insurers offer the same basic package (determined by the government), there is substantial premium dispersion. We develop a simple consumer search model containing the main features of the Dutch health insurance system. This model provides us with a number of hypotheses, which we test using data from the Dutch Health Care Consumer Panel. The data confirm the standard predictions on consumer choice (i.e. there is adverse selection and a lower premium increases coverage). We also find that consumers with lower search costs are more likely to receive a group contract offer. This generates a situation of price discrimination where individuals without group contracts and higher search costs pay higher premiums and buy lower insurance coverage. |
| 主题 | Public Economics |
| 关键词 | Adverse selection Consumer search Group contracts Health insurance Managed competition |
| URL | https://cepr.org/publications/dp7942 |
| 来源智库 | Centre for Economic Policy Research (United Kingdom) |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/536778 |
| 推荐引用方式 GB/T 7714 | Maarten Lindeboom,Bas van der Klaauw,Jonneke Bolhaar. DP7942 Insurance Search and Switching Behavior. 2010. |
| 条目包含的文件 | 条目无相关文件。 | |||||
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