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The effect of health on acute care supplemental insurance ownership: an empirical analysis

✍ Scribed by Amir Shmueli

Publisher
John Wiley and Sons
Year
2001
Tongue
English
Weight
76 KB
Volume
10
Category
Article
ISSN
1057-9230

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✦ Synopsis

Abstract

The empirical effect of health status on private insurance ownership is a mixture of the effect of health on the demand for insurance (subjected to adverse selection) and its effect on the insurer's underwriting practice (subjected to risk‐selection). Using bivariate partial observability probit models, this paper provides an empirical identification of health effects on the probability of application and on the probability of rejection in the Israeli market for acute care supplemental health insurance. The analysis shows that while the reduced‐form health effect on ownership is negligible, the structural effects are sizeable and indicate that sicker individuals are more likely to apply, but are also more likely to be rejected. The policy implications of the above findings are discussed in the context of the Israeli health system. Copyright Β© 2001 John Wiley & Sons, Ltd.

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