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Supply-side and demand-side cost sharing in deregulated social health insurance: Which is more effective?


Trottmann, Maria; Zweifel, Peter; Beck, Konstantin (2012). Supply-side and demand-side cost sharing in deregulated social health insurance: Which is more effective? Journal of Health Economics, 31(1):231-242.

Abstract

Microeconomic theory predicts that if patients are fully insured and providers are paid fee-for-service, utilization of medical services exceeds the efficient level (‘moral hazard effect’).
In Switzerland, both demand-side cost sharing and upply-side cost sharing have been introduced to mitigate this problem. Analyzing a panel dataset of about 150,000 adults, we find both types of cost sharing to be effective in curtailing the use of medical services. However, demand-side cost sharing options are preliminarily chosen by individuals in excellent health, causing ‘true’ cost savings achieved by supply-side cost sharing to be more important.

Abstract

Microeconomic theory predicts that if patients are fully insured and providers are paid fee-for-service, utilization of medical services exceeds the efficient level (‘moral hazard effect’).
In Switzerland, both demand-side cost sharing and upply-side cost sharing have been introduced to mitigate this problem. Analyzing a panel dataset of about 150,000 adults, we find both types of cost sharing to be effective in curtailing the use of medical services. However, demand-side cost sharing options are preliminarily chosen by individuals in excellent health, causing ‘true’ cost savings achieved by supply-side cost sharing to be more important.

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Additional indexing

Item Type:Journal Article, refereed, original work
Communities & Collections:03 Faculty of Economics > Department of Economics
Dewey Decimal Classification:330 Economics
Language:English
Date:January 2012
Deposited On:23 May 2013 12:46
Last Modified:26 Jan 2017 08:54
Publisher:Elsevier
ISSN:0167-6296
Publisher DOI:https://doi.org/10.1016/j.jhealeco.2011.10.004

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