选择质量的社会经济分布：来自荷兰健康保险的证据
The Socioeconomic Distribution of Choice Quality: Evidence from Health Insurance in the Netherlands
AER: Insights · 2024 · [{"name": "Benjamin Handel", "affiliation": ["Berkeley College", "University of California, Berkeley"]}, {"name": "Jonathan Kolstad", "affiliation": ["University of California, Berkeley"]}, {"name": "Thomas Minten", "affiliation": ["London School of Economics and Political Science"]}, {"name": "Johannes Spinnewijn", "affiliation": ["London School of Economics and Political Science"]}]
中文摘要
我们利用荷兰健康保险选择与使用情况的全人口数据，研究选择质量如何与社会经济因素相关。我们记录了选择质量相对于社会经济地位呈现的显著梯度，发现收入更高、教育程度更高以及接受过定量领域训练的人做出了明显更好的选择。就所获剩余而言，前 5% 决策者的家庭收入几乎是后 5% 决策者的三倍。在联合纳入所有因素时，教育程度和专业领域比收入及其他财务变量更能预测选择质量。（JEL D31, G22, G52, I13, L15）
Abstract
We study how choice quality relates to socioeconomic factors, using population-wide data on health insurance choices and utilization in the Netherlands. We document a striking choice quality gradient with respect to socioeconomic status, finding that those with higher income, higher education, and training in quantitative fields make meaningfully better choices. Household income for the top 5 percent of decision-makers, in terms of surplus captured, is almost three times higher than for the bottom 5 percent. When jointly including all factors, education degree and field of study are more important predictors of choice quality than income and other financial variables. (JEL D31, G22, G52, I13, L15)