Journal ArticleDOI
Demand for private health insurance: how important is the quality gap?
Joan Costa,Jaume García +1 more
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TLDR
The hypothesis that the demand for PHI is indeed driven by the quality gap between private and public health care is supported by a pseudo-structural model estimated to deal with missing data and endogeneity issues.Abstract:
Perceived quality of private and public health care, income and insurance premium are among the determinants of demand for private health insurance (PHI). In the context of a model in which individuals are expected utility maximizers, the non purchasing choice can result in consuming either public health care or private health care with full cost paid out-of-pocket. This paper empirically analyses the effect of the determinants of the demand for PHI on the probability of purchasing PHI by estimating a pseudo-structural model to deal with missing data and endogeneity issues. Our findings support the hypothesis that the demand for PHI is indeed driven by the quality gap between private and public health care. As expected, PHI is a normal good and a rise in the insurance premium reduces the probability of purchasing PHI albeit displaying price elasticities smaller than one in absolute value for different groups of individuals.read more
Citations
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Public health expenditure and spatial interactions in a decentralized national health system.
TL;DR: This paper examines the determinants of public health expenditure within Spanish region-states (Autonomous Communities, ACs), most of them subject to similar financing structures although exhibiting significant heterogeneity as a result of the increasing decentralization, region-specific political factors along with different use of health care inputs, economic dimension and spatial interactions.
Journal ArticleDOI
Diversity and regional inequalities in the Spanish 'system of health care services'.
TL;DR: Examination of health care reform in Spain along with empirical evidence on regional diversity, efficiency and inequality of these changes in the Spanish NHS suggest that besides significant heterogeneity, once region-specific needs are taken into account, there is evidence of efficiency improvements whilst inequalities in inputs and outcomes do not appear to have increased in the last decade.
Journal ArticleDOI
Determinants of health insurance ownership among South African women
Joses Muthuri Kirigia,Luis G Sambo,Benjamin Nganda,Germano Mwabu,Rufaro Chatora,Takondwa Mwase +5 more
TL;DR: Poverty reduction programmes aimed at increasing women's incomes in poor provinces; improving living environment for women in urban informal settlements; enhancing women's access to education; reducing unemployment among women; and increasing effective coverage of family planning services, will empower South African women to reach a higher standard of living and in doing so increase their economic access to health insurance policies and the associated health services.
Journal ArticleDOI
The Determinants of Microinsurance Demand
TL;DR: In this article, a review of the existing knowledge on the determinants of microinsurance demand is presented, and a specific economic structure to the review through use of Outreville's insurance demand framework is proposed.
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Health care financing and health outcomes in Pacific Island countries.
TL;DR: The results of the fixed-effects estimation procedure, correcting for AR(1) errors, provide strong evidence that per capita health expenditure is an important factor in determining health outcomes.
References
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Journal ArticleDOI
The demand for deductibles in private health insurance: A probit model with sample selection
TL;DR: The results give an indication of the degree of adverse selection that may take place if health insurance policies are offered with the option to take a deductible in exchange of a premium reduction.
Journal ArticleDOI
Does Public Insurance Crowd out Private Insurance
David M. Cutler,Jonathan Gruber +1 more
TL;DR: In this paper, the authors estimate that approximately 50 percent of the increase in Medicaid coverage was associated with a reduction in private insurance coverage, largely because employees took up employer-based insurance less frequently.
Journal ArticleDOI
Specification and Estimation of a Simultaneous-Equation Model with Limited Dependent Variables
Forrest D. Nelson,Lawrence Olson +1 more
TL;DR: In this paper, the authors propose an alternative specification which may be more appropriate than Amemiya's for many problems and discuss a relatively simple limited-information estimation procedure for simultaneous-equation models with limited dependent variables.
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Public Provision of Private Goods
Dennis Epple,Richard Romano +1 more
TL;DR: In this paper, a dual-provision regime with no restriction on private supplements is shown to be majority preferred to a regime of either only market provision or only government provision under standard assumptions on preferences, and a majority voting equilibrium exists.