ArticleThe European journal of health economics : HEPAC : health economics in prevention and care2016
Potential determinants of deductible uptake in health insurance: How to increase uptake in The Netherlands?
Article in The European journal of health economics : HEPAC : health economics in prevention and care, 2016. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 8 papers.
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Who cites it
8 citing papers in PubMed.
- Residents' preferences for inclusive commercial supplementary medical insurance: a discrete choice experiment.Health economics review · 2026Article
- Factors associated with the enrollment of commercial medical insurance in China: Results from China General Social Survey.PloS one · 2024Article
- Editorial: Behavioral and experimental health economics.Frontiers in health services · 2022Article
- Private Health Insurance in Malaysia: Who Is Left Behind?Asia-Pacific journal of public health · 2021Article
- Sustainability of Publicly Funded Health Care Systems: What Does Behavioural Economics Offer?PharmacoEconomics · 2020Review
- Moral hazard and selection for voluntary deductibles.Health economics · 2020Article
- Discussing patients' insurance and out-of-pocket expenses during GPs' consultations.BMC health services research · 2019Article
- A voluntary deductible in health insurance: the more years you opt for it, the lower your premium?The European journal of health economics : HEPAC : health economics in prevention and care · 2017Article
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Authors and funding
3 authors.
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Abstract
In health insurance, voluntary deductibles are offered to the insured in return for a premium rebate. Previous research has shown that 11 % of the Dutch insured opted for a voluntary deductible (VD) in health insurance in 2014, while the highest VD level was financially profitable for almost 50 % of the population in retrospect. To explain this discrepancy, this paper identifies and discusses six potential determinants of the decision to opt for a VD from the behavioral economic literature: loss aversion, risk attitude, ambiguity aversion, debt aversion, omission bias, and liquidity constraints. Based on these determinants, five potential strategies are proposed to increase the number of insured opting for a VD. Presenting the VD as the default option and providing transparent information regarding the VD are the two most promising strategies. If, as a result of these strategies, more insured would opt for a VD, moral hazard would be reduced.
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