TY  - RPRT
        AU  - Boes, Stefan
AU  - Gerfin, Michael
        TI  - Does Full Insurance Increase the Demand for Health Care?
        PY  - 2013/Oct/
        PB  - Institute of Labor Economics (IZA)
        CY  - Bonn
        T2  - IZA Discussion Paper
        IS  - 7689
        UR  - https://www.iza.org/index.php/publications/dp7689
        AB  - We estimate the causal effect of having full health insurance on health care expenditures. We take advantage of a unique quasi-experimental setup in which deductibles and co-payments were zero in a managed care plan, and non-zero in regular insurance, until a policy change forced all individuals with an active plan to cover a minimum amount of their expenses. Using panel data and a non-linear difference-in-differences strategy, we find a demand elasticity of about -0.14 comparing full insurance with the cost-sharing model, and a significant upward shift in the likelihood to generate costs.
        KW  - quasi experiment
KW  - health cost
KW  - deductibles
KW  - changes-in-changes
        ER  -