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- W862488 abstract "Why do the insured use more health care? One obvious reason is that health care is cheaper for the insured. But additionally, having insurance can encourage unhealthy behavior via moral hazard. The efiect of health insurance on medical utilization has been extensively studied; however, previous work has mostly ignored the efiect of insurance on behavior and how that in turn afiects medical utilization. This paper investigates these distinct efiects. The increased medical utilization due to reduced prices may help the insured maintain good health, while that due to increased unhealthy behavior does not, so distinguishing these two effects has important policy implications. A two-period dynamic forward-looking model is used to derive the structural causal relationships among the decision to buy insurance, health behaviors (drinking, smoking, and exercise), and medical utilization. The model shows how exogenous changes in insurance prices and past behaviors can identify the direct and indirect efiects of insurance on medical utilization. An empirical analysis also distinguishes between intensive and extensive margins (e.g., changes in the number of drinkers vs. the amount of alcohol consumed) of the insurance efiect. Health insurance is found to encourage less healthy behavior, particularly heavy drinking, but this does not yield an immediate perceptible increase in doctor or hospital visits. The efiects of health insurance are primarily found at the intensive margin, e.g., health insurance may not cause a non-drinker to take up drinking, while it encourages a heavy drinker to drink even more." @default.
- W862488 created "2016-06-24" @default.
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- W862488 date "2009-01-01" @default.
- W862488 modified "2023-09-27" @default.
- W862488 title "Why Do The Insured Use More Health Care" @default.
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