| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w15410 |
| 来源ID | Working Paper 15410 |
| Moral Hazard Matters: Measuring Relative Rates of Underinsurance Using Threshold Measures | |
| Jean Marie Abraham; Thomas DeLeire; Anne Beeson Royalty | |
| 发表日期 | 2009-10-08 |
| 出版年 | 2009 |
| 语种 | 英语 |
| 摘要 | This paper illustrates the impact of moral hazard for estimating relative rates of underinsurance and to present an adjustment method to correct for this source of bias. Individuals or households are often classified as underinsured if out-of-pocket spending on medical care relative to income exceeds some threshold. We show that, without adjustment, this common threshold measure of underinsurance will underestimate the number with low levels of insurance coverage due to moral hazard. We propose an adjustment method and apply it to the specific case of estimating the difference in rates of underinsurance among small- versus large-firm workers with full-year, employer-sponsored insurance. Using data from the 2005 Medical Expenditure Panel Survey, we find that after applying the adjustment, the underinsurance rate of small-firm households increases by approximately 20% with the adjustment for moral hazard and the difference in underinsurance rates between large firm and small firm households widens substantially. Adjusting for moral hazard makes a sizeable difference in the estimated prevalence of underinsurance using a threshold measure. |
| 主题 | Health, Education, and Welfare ; Health |
| URL | https://www.nber.org/papers/w15410 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/573086 |
| 推荐引用方式 GB/T 7714 | Jean Marie Abraham,Thomas DeLeire,Anne Beeson Royalty. Moral Hazard Matters: Measuring Relative Rates of Underinsurance Using Threshold Measures. 2009. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w15410.pdf（162KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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