@TechReport{iza:izadps:dp7689,
            	author={Boes, Stefan and Gerfin, Michael},
            	title={Does Full Insurance Increase the Demand for Health Care?},
            	year={2013},
	month={Oct},
            	institution={Institute of Labor Economics (IZA)},
            	address={Bonn},
            	type={IZA Discussion Paper},
            	number={7689},
            	url={https://www.iza.org/publications/dp7689},
	abstract={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.},
	keywords={quasi experiment;health cost;deductibles;changes-in-changes},
            }