Deductibles in health insurance are often regarded as a means to contain health care costs when individuals exhibit moral hazard. However, in the absence of moral hazard, voluntarily chosen deductibles may instead lead to self-selection into different insurance contracts. We use a set of new...

Deductibles in health insurance are often regarded as a means to contain health care costs when individuals exhibit moral hazard. However, in the absence of moral hazard, voluntarily chosen deductibles may instead lead to self-selection into different insurance contracts. We use a set of new...

Auf der Basis von Daten der Einkommens- und Verbrauchsstichprobe 1993 wird die Einkommenselastizität der Nachfrage nach Gesundheitsleistungen geschätzt. Dabei werden für privat und gesetzlich Krankenversicherte getrennte Schätzungen durchgeführt. Es zeigt sich, dass die...