ArticleAmerican economic journal. Economic policy2024
Time Aggregation in Health Insurance Deductibles.
Article in American economic journal. Economic policy, 2024. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 3 papers.
What it found
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The abstract states no effect estimate the extractor could read, or names no intervention and outcome on the map, so this paper lights no cell and moves no belief. It is still indexed, cited and linked below.
The trial behind it
Trials whose registry record cites this paper, or whose number appears in the abstract. A trial that started after this paper was published is citing it as background, not reporting it.
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Who cites it
3 citing papers in PubMed.
- "When There Are Enough Cracks, Everyone Steps on Them": Administrative Burdens in the US Health Care System.Health services research · 2025Article
- How Have Patient Out-of-pocket Costs for Common Outpatient Orthopaedic Foot and Ankle Surgical Procedures Changed Over Time? A Retrospective Study From 2010 to 2020.Clinical orthopaedics and related research · 2024Article
- When Should There Be Vertical Choice in Health Insurance Markets?The American economic review · 2022Article
Corrections and comments
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Authors and funding
2 authors.
Funding
Abstract
Health insurance plans increasingly pay for expenses only beyond a large annual deductible. This paper explores the implications of deductibles that reset over shorter timespans. We develop a model of insurance demand between two actuarially equivalent deductible policies in which one deductible is larger and resets annually and the other deductible is smaller and resets biannually. Our model incorporates borrowing constraints, moral hazard, midyear contract switching, and delayable care. Calibrations using claims data show that the liquidity benefits of resetting deductibles can generate welfare gains of 3-10 percent of premium costs, particularly for individuals with borrowing constraints.
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Registered trials
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