Does medical insurance affect health care demand and in the end contribute to improvements in the health status …? Evidence for China for the year 2004, by means of the China Health and Nutrition Survey (CHNS), shows that health insurance … does not affect health care demand in a significant manner. Counterfactuals suggest that full insurance coverage of the …

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 … for advantageous selection, largely driven by heterogeneity in education, income and health preferences. Finally, we show …

and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional … incentives to sign insurance contracts stem from a UI-embedded, government-subsidized early retirement (ER) program, giving … transitions to unemployment when insurance is a choice variable. We use administrative (register) panel data covering 10% of the …