消费者对医疗价格变动的反应动态
Dynamics of Consumer Responses to Medical Price Changes
AER: Insights · 2025 · [{"name": "Norihiro Komura", "affiliation": ["Institute of Economic Research of the Slovak Academy of Sciences"]}, {"name": "Shun‐ichiro Bessho", "affiliation": ["Waseda University"]}]
中文摘要
个人如何应对共同保险率, 是保险市场设计的根本问题, 但现有大多数估计仅反映短期反应。我们利用一项独特的政策实验: 该实验提高了部分老年人在70—74岁时面临的共同保险率, 而在此年龄段之前或之后均未提高。较高的共同保险率对医疗保健支出具有即时且持续的影响, 且这一影响中有相当大一部分在75岁之后仍然存在。我们未发现较高的共同保险率影响健康的证据。这些结果表明, 医疗保健利用取决于健康存量以外的动态因素, 例如习惯。(JEL D12, G22, H51, I11, I12, I13, J14)
Abstract
How individuals respond to coinsurance rates is fundamental for insurance market design, but most existing estimates speak only to short-run responses. We exploit a unique policy experiment that increased the coinsurance rate some elderly individuals face when they are aged 70–74 but not before or after. Higher coinsurance rates have an immediate and persistent effect on health care expenditure, and a sizable share of this effect persists after age 75. We find no evidence that higher coinsurance rates affect health. These results suggest that health care utilization depends on dynamic factors other than health stock, such as habits. (JEL D12, G22, H51, I11, I12, I13, J14)