Supply-side and demand-side cost sharing in deregulated social health insurance: which is more effective?
Publikation: Beiträge in Zeitschriften › Zeitschriftenaufsätze › Forschung › begutachtet
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in: Journal of Health Economics, Jahrgang 31, Nr. 1, 01.01.2012, S. 231-242.
Publikation: Beiträge in Zeitschriften › Zeitschriftenaufsätze › Forschung › begutachtet
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TY - JOUR
T1 - Supply-side and demand-side cost sharing in deregulated social health insurance
T2 - which is more effective?
AU - Trottmann, Maria
AU - Zweifel, Peter
AU - Beck, Konstantin
N1 - Copyright © 2011 Elsevier B.V. All rights reserved.
PY - 2012/1/1
Y1 - 2012/1/1
N2 - Microeconomic theory predicts that if patients are fully insured and providers are paid fee-for-service, utilization of medical services exceeds the efficient level ('moral hazard effect'). In Switzerland, both demand-side and supply-side cost sharing have been introduced to mitigate this problem. Analyzing a panel dataset of about 160,000 adults, we find both types of cost sharing to be effective in curtailing the use of medical services. However, when moral hazard mitigation is traded off against risk selection, the minimum-deductible, supply-side cost sharing option ranks first, followed by the medium-deductible demand-side alternative, making the supply-side option somewhat more effective.
AB - Microeconomic theory predicts that if patients are fully insured and providers are paid fee-for-service, utilization of medical services exceeds the efficient level ('moral hazard effect'). In Switzerland, both demand-side and supply-side cost sharing have been introduced to mitigate this problem. Analyzing a panel dataset of about 160,000 adults, we find both types of cost sharing to be effective in curtailing the use of medical services. However, when moral hazard mitigation is traded off against risk selection, the minimum-deductible, supply-side cost sharing option ranks first, followed by the medium-deductible demand-side alternative, making the supply-side option somewhat more effective.
KW - Adult
KW - Aged
KW - Cost Sharing
KW - Deductibles and Coinsurance
KW - Fee-for-Service Plans
KW - Female
KW - Health Services Needs and Demand
KW - Humans
KW - Male
KW - Middle Aged
KW - Program Evaluation
KW - Social Security
KW - Switzerland
KW - Management studies
UR - http://www.scopus.com/inward/record.url?scp=84858075411&partnerID=8YFLogxK
U2 - 10.1016/j.jhealeco.2011.10.004
DO - 10.1016/j.jhealeco.2011.10.004
M3 - Journal articles
C2 - 22105043
VL - 31
SP - 231
EP - 242
JO - Journal of Health Economics
JF - Journal of Health Economics
SN - 0167-6296
IS - 1
ER -