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Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia

This paper contributes to the discussion around ex-post (increased utilisation of health care) and ex-ante (changes in health behaviours) moral hazard in supplemental private health insurance. Applying a range of methodologies to data from the Russian Longitudinal Monitoring Survey—Higher School of...

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Autores principales: Aistov, Andrey, Aleksandrova, Ekaterina, Gerry, Christopher J.
Formato: Online Artículo Texto
Lenguaje:English
Publicado: Springer Berlin Heidelberg 2020
Materias:
Acceso en línea:https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7757736/
https://www.ncbi.nlm.nih.gov/pubmed/33367963
http://dx.doi.org/10.1007/s10198-020-01252-2
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author Aistov, Andrey
Aleksandrova, Ekaterina
Gerry, Christopher J.
author_facet Aistov, Andrey
Aleksandrova, Ekaterina
Gerry, Christopher J.
author_sort Aistov, Andrey
collection PubMed
description This paper contributes to the discussion around ex-post (increased utilisation of health care) and ex-ante (changes in health behaviours) moral hazard in supplemental private health insurance. Applying a range of methodologies to data from the Russian Longitudinal Monitoring Survey—Higher School of Economics we exploit a selection mechanism in the data to compare the impact of workplace provided and individually purchased supplemental health insurance on the utilisation of health care, on a range of health behaviours and on self-assessed health. We find compelling policy-relevant evidence of ex-post moral hazard that confirms a theoretical prediction and empirical regularity found in other settings. In contrast to other empirical findings though, our data reveals evidence of ex-ante moral hazard demonstrated by clear behavioural differences between those with self-funded supplemental health insurance and those for whom the workplace finances the additional insurance. We find no evidence that either form of insurance is related to improved self-assessed health.
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spelling pubmed-77577362020-12-28 Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia Aistov, Andrey Aleksandrova, Ekaterina Gerry, Christopher J. Eur J Health Econ Original Paper This paper contributes to the discussion around ex-post (increased utilisation of health care) and ex-ante (changes in health behaviours) moral hazard in supplemental private health insurance. Applying a range of methodologies to data from the Russian Longitudinal Monitoring Survey—Higher School of Economics we exploit a selection mechanism in the data to compare the impact of workplace provided and individually purchased supplemental health insurance on the utilisation of health care, on a range of health behaviours and on self-assessed health. We find compelling policy-relevant evidence of ex-post moral hazard that confirms a theoretical prediction and empirical regularity found in other settings. In contrast to other empirical findings though, our data reveals evidence of ex-ante moral hazard demonstrated by clear behavioural differences between those with self-funded supplemental health insurance and those for whom the workplace finances the additional insurance. We find no evidence that either form of insurance is related to improved self-assessed health. Springer Berlin Heidelberg 2020-12-23 2021 /pmc/articles/PMC7757736/ /pubmed/33367963 http://dx.doi.org/10.1007/s10198-020-01252-2 Text en © The Author(s) 2020 Open AccessThis article is licensed under a Creative Commons Attribution 4.0 International License, which permits use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons licence, and indicate if changes were made. The images or other third party material in this article are included in the article's Creative Commons licence, unless indicated otherwise in a credit line to the material. If material is not included in the article's Creative Commons licence and your intended use is not permitted by statutory regulation or exceeds the permitted use, you will need to obtain permission directly from the copyright holder. To view a copy of this licence, visit http://creativecommons.org/licenses/by/4.0/.
spellingShingle Original Paper
Aistov, Andrey
Aleksandrova, Ekaterina
Gerry, Christopher J.
Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia
title Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia
title_full Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia
title_fullStr Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia
title_full_unstemmed Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia
title_short Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia
title_sort voluntary private health insurance, health-related behaviours and health outcomes: evidence from russia
topic Original Paper
url https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7757736/
https://www.ncbi.nlm.nih.gov/pubmed/33367963
http://dx.doi.org/10.1007/s10198-020-01252-2
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