Nuremberg Research Seminar in Economics on 7 December 2022 – Room LG 0.423
You are invited to join the weekly Nuremberg Research Seminar in Economics on 7 December 2022, from 13.15 to 14.45 pm. The seminar will be held in room LG 0.423. Tobias Klein (Tilburg University) will be talking about „Tradeoffs in health insurance design: the effect of different cost-sharing schemes on spending, risk, and redistribution”.
More information can be found here:
We develop and estimate a model of healthcare utilization using data from a large Dutch insurer. The model explicitly accounts for within-year spending dynamics that arise from non-linear prices common in health insurance contracts. Our estimates allow studying the impact of various counterfactual patient cost-sharing schemes on outcomes such as spending, insurance premiums, financial risk for patients, redistribution between patients with different underlying health status, unmet healthcare needs, and patient welfare. We find that patients of all groups, even the predictably sick, would benefit from somewhat higher levels of cost-sharing compared the factual mandatory deductible in place in the Netherlands.