%0 Report
        %A Boes, Stefan
%A Gerfin, Michael
        %T Does Full Insurance Increase the Demand for Health Care?
        %D 2013
        %8 2013 Oct
        %I Institute of Labor Economics (IZA)
        %C Bonn
        %7 IZA Discussion Paper
        %N 7689
        %U https://www.iza.org/publications/dp7689
        %X 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.
        %K quasi experiment
%K health cost
%K deductibles
%K changes-in-changes