| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w26153 |
| 来源ID | Working Paper 26153 |
| The Role of Behavioral Frictions in Health Insurance Marketplace Enrollment and Risk: Evidence from a Field Experiment | |
| Richard Domurat; Isaac Menashe; Wesley Yin | |
| 发表日期 | 2019-08-19 |
| 出版年 | 2019 |
| 语种 | 英语 |
| 摘要 | We experimentally varied information mailed to 87,000 households in California's health insurance marketplace to study the role of frictions in insurance take-up. Reminders about the enrollment deadline raised enrollment by 1.3 pp (16 percent), in this typically low take-up population. Heterogeneous effects of personalized subsidy information indicate systematic misperceptions about program benefits. Consistent with an adverse selection model with frictional enrollment costs, the intervention lowered average spending risk by 5.1 percent, implying that marginal respondents were 37 percent less costly than inframarginal consumers. We observe the largest positive selection among low income consumers, who exhibit the largest frictions in enrollment. Finally, the intervention raised average consumer WTP for insurance by $25 to $54 per month. These results suggest that frictions may partially explain low measured WTP for marketplace insurance, and that interventions reducing them can improve enrollment and market risk in exchanges. |
| 主题 | Microeconomics ; Behavioral Economics ; Health, Education, and Welfare ; Health |
| URL | https://www.nber.org/papers/w26153 |
| 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/583827 |
| 推荐引用方式 GB/T 7714 | Richard Domurat,Isaac Menashe,Wesley Yin. The Role of Behavioral Frictions in Health Insurance Marketplace Enrollment and Risk: Evidence from a Field Experiment. 2019. |
| 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 | ||
| w26153.pdf（647KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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