Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia

被引:10
作者
Aistov, Andrey [1 ,2 ]
Aleksandrova, Ekaterina [2 ]
Gerry, Christopher J. [2 ,3 ]
机构
[1] Natl Res Univ Higher Sch Econ, Nizhnii Novgorod, Russia
[2] Natl Res Univ Higher Sch Econ, Ctr Hlth Econ Management & Policy, St Petersburg, Russia
[3] Univ Oxford, Oxford Sch Global & Area Studies, Oxford, England
基金
俄罗斯科学基金会;
关键词
Moral hazard; Supplemental voluntary health insurance; Health behaviours; Health outcomes; RLMS-HSE; Russia; AFFORDABLE CARE ACT; ANTE MORAL HAZARD; ADVERSE SELECTION; ASYMMETRIC INFORMATION; PHYSICIAN SERVICES; MEDICAL-CARE; DEMAND; COVERAGE; ACCESS; IMPACT;
D O I
10.1007/s10198-020-01252-2
中图分类号
F [经济];
学科分类号
02 ;
摘要
This paper contributes to the discussion around ex-post (increased utilisation of health care) and ex-ante (changes in health behaviours) moral hazard in supplemental private health insurance. Applying a range of methodologies to data from the Russian Longitudinal Monitoring Survey-Higher School of Economics we exploit a selection mechanism in the data to compare the impact of workplace provided and individually purchased supplemental health insurance on the utilisation of health care, on a range of health behaviours and on self-assessed health. We find compelling policy-relevant evidence of ex-post moral hazard that confirms a theoretical prediction and empirical regularity found in other settings. In contrast to other empirical findings though, our data reveals evidence of ex-ante moral hazard demonstrated by clear behavioural differences between those with self-funded supplemental health insurance and those for whom the workplace finances the additional insurance. We find no evidence that either form of insurance is related to improved self-assessed health.
引用
收藏
页码:281 / 309
页数:29
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