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来源类型Working Paper
规范类型报告
DOI10.3386/w25473
来源IDWorking Paper 25473
Active Choice, Implicit Defaults, and the Incentive to Choose
John Beshears; James J. Choi; David Laibson; Brigitte C. Madrian
发表日期2019-01-21
出版年2019
语种英语
摘要Home-delivered prescriptions have no delivery charge and lower copayments than prescriptions picked up at a pharmacy. Nevertheless, when home delivery is offered on an opt-in basis, the take-up rate is only 6%. We study a program that makes active choice of either home delivery or pharmacy pick-up a requirement for insurance eligibility. The program introduces an implicit default for those who don’t make an active choice: pharmacy pick-up without insurance subsidies. Under this program, 42% of eligible employees actively choose home delivery, 39% actively choose pharmacy pick-up, and 19% make no active choice and are assigned the implicit default. Individuals who financially benefit most from home delivery are more likely to choose it. Those who benefit least from insurance subsidies are more likely to make no active choice and lose those subsidies. The implicit default incentivizes people to make an active choice, thereby playing a key role in choice architecture.
主题Microeconomics ; Behavioral Economics ; Health, Education, and Welfare ; Health
URLhttps://www.nber.org/papers/w25473
来源智库National Bureau of Economic Research (United States)
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资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/583147
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John Beshears,James J. Choi,David Laibson,et al. Active Choice, Implicit Defaults, and the Incentive to Choose. 2019.
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