ArticleHealth economics2020
Moral hazard and selection for voluntary deductibles.
Article in Health economics, 2020. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 7 papers, 1 of them a synthesis that pooled it.
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Who cites it
7 citing papers in PubMed, 1 synthesis or guideline pooled it.
- A systematic review of strategies used for controlling consumer moral hazard in health systems.BMC health services research · 2022Pooled it
- Does health insurance increase health care utilization? Evidence of ex-post moral hazard from the Social Security Scheme in Thailand.Health policy and planning · 2026Article
- Financial Toxicity Associated with Biological Medicines: A Scoping Review.Clinical pharmacology and therapeutics · 2026Article
- Estimating the adverse selection and moral hazard in Urban and Rural Resident Basic Medical Insurance of China: a semi-parametric estimation approach.Frontiers in public health · 2025Article
- On the Relative Importance of Different Factors Explaining Health Plan Choices: Evidence From Mandatory Health Insurance in Switzerland.Frontiers in health services · 2022Article
- Demand-side Interventions to Control Moral Hazard in Health Systems, Beneficial or Detrimental: A Systematic Review Study.Medical journal of the Islamic Republic of Iran · 2022Review
- Moral hazard and selection for voluntary deductibles.Health economics · 2020Article
Corrections and comments
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Authors and funding
4 authors.
Funding
No grant is acknowledged in the PubMed record.
Abstract
This paper investigates whether the voluntary deductible in the Dutch health insurance system reduces moral hazard or acts only as a cost reduction tool for low-risk individuals. We use a sample of 14,089 observations, comprising 2,939 individuals over seven waves from the Longitudinal Internet Studies for the Social sciences panel for the analysis. We employ bivariate models that jointly model the choice of a deductible and health care utilization and supplement the identification with an instrumental variable strategy. The results show that the voluntary deductible reduces moral hazard, especially in the decision to visit a doctor (extensive margin) compared with the number of visits (intensive margin). In addition, a robustness test shows that selection on moral hazard is not present in this context.
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Registered trials
Read under generation 80e0d062 · epoch 390. Bibliography from PubMed, PubMed Central and OpenAlex; grants from NIH RePORTER; trial links from ClinicalTrials.gov; estimates, votes and beliefs from the OpenQuestion graph.