Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia
This paper contributes to the discussion around ex-post (increased utilisation of health care) and ex-ante (changes in health behaviours) moral hazard in supplemental private health insurance. Applying a range of methodologies to data from the Russian Longitudinal Monitoring Survey—Higher School of...
| Main Authors: | , , |
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| Format: | Journal article |
| Language: | English |
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Springer
2020
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| _version_ | 1797107454999265280 |
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| author | Aistov, A Aleksandrova, E Gerry, CJ |
| author_facet | Aistov, A Aleksandrova, E Gerry, CJ |
| author_sort | Aistov, A |
| collection | OXFORD |
| description | This paper contributes to the discussion around ex-post (increased utilisation of health care) and ex-ante (changes in health behaviours) moral hazard in supplemental private health insurance. Applying a range of methodologies to data from the Russian Longitudinal Monitoring Survey—Higher School of Economics we exploit a selection mechanism in the data to compare the impact of workplace provided and individually purchased supplemental health insurance on the utilisation of health care, on a range of health behaviours and on self-assessed health. We find compelling policy-relevant evidence of ex-post moral hazard that confirms a theoretical prediction and empirical regularity found in other settings. In contrast to other empirical findings though, our data reveals evidence of ex-ante moral hazard demonstrated by clear behavioural differences between those with self-funded supplemental health insurance and those for whom the workplace finances the additional insurance. We find no evidence that either form of insurance is related to improved self-assessed health. |
| first_indexed | 2024-03-07T07:14:50Z |
| format | Journal article |
| id | oxford-uuid:19d1aff4-14fd-42e3-83a0-96750d0d0993 |
| institution | University of Oxford |
| language | English |
| last_indexed | 2024-03-07T07:14:50Z |
| publishDate | 2020 |
| publisher | Springer |
| record_format | dspace |
| spelling | oxford-uuid:19d1aff4-14fd-42e3-83a0-96750d0d09932022-08-11T09:12:54ZVoluntary private health insurance, health-related behaviours and health outcomes: evidence from RussiaJournal articlehttp://purl.org/coar/resource_type/c_dcae04bcuuid:19d1aff4-14fd-42e3-83a0-96750d0d0993EnglishSymplectic ElementsSpringer2020Aistov, AAleksandrova, EGerry, CJThis paper contributes to the discussion around ex-post (increased utilisation of health care) and ex-ante (changes in health behaviours) moral hazard in supplemental private health insurance. Applying a range of methodologies to data from the Russian Longitudinal Monitoring Survey—Higher School of Economics we exploit a selection mechanism in the data to compare the impact of workplace provided and individually purchased supplemental health insurance on the utilisation of health care, on a range of health behaviours and on self-assessed health. We find compelling policy-relevant evidence of ex-post moral hazard that confirms a theoretical prediction and empirical regularity found in other settings. In contrast to other empirical findings though, our data reveals evidence of ex-ante moral hazard demonstrated by clear behavioural differences between those with self-funded supplemental health insurance and those for whom the workplace finances the additional insurance. We find no evidence that either form of insurance is related to improved self-assessed health. |
| spellingShingle | Aistov, A Aleksandrova, E Gerry, CJ Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia |
| title | Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia |
| title_full | Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia |
| title_fullStr | Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia |
| title_full_unstemmed | Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia |
| title_short | Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia |
| title_sort | voluntary private health insurance health related behaviours and health outcomes evidence from russia |
| work_keys_str_mv | AT aistova voluntaryprivatehealthinsurancehealthrelatedbehavioursandhealthoutcomesevidencefromrussia AT aleksandrovae voluntaryprivatehealthinsurancehealthrelatedbehavioursandhealthoutcomesevidencefromrussia AT gerrycj voluntaryprivatehealthinsurancehealthrelatedbehavioursandhealthoutcomesevidencefromrussia |