Bolhaar, Jonneke; Lindeboom, Maarten; van der Klaauw, Bas - 2021
We investigate the presence of moral hazard and advantageous or adverse selection in a market for supplementary health … insurance. For this we specify and estimate dynamic models for health insurance decisions and health care utilization. Estimates … of the health care utilization models indicate that moral hazard is not important. Furthermore, we find strong evidence …