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Replication data for: Selection on Moral Hazard in Health Insurance

Resource Type
  • Einav, Liran
  • Finkelstein, Amy
  • Ryan, Stephen P.
  • Schrimpf, Paul
  • Cullen, Mark R.
Publication Date
  • Abstract

    We use employee-level panel data from a single firm to explore the possibility that individuals may select insurance coverage in part based on their anticipated behavioral ("moral hazard") response to insurance, a phenomenon we label "selection on moral hazard." Using a model of plan choice and medical utilization, we present evidence of heterogenous moral hazard as well as selection on it, and explore some of its implications. For example, we show that, at least in our context, abstracting from selection on moral hazard could lead to overestimates of the spending reduction associated with introducing a high-deductible health insurance option. (JEL D82, G22, I13, J32)
  • Is supplement to
    DOI: 10.1257/aer.103.1.178 (Text)
  • Einav, Liran, Amy Finkelstein, Stephen P Ryan, Paul Schrimpf, and Mark R Cullen. “Selection on Moral Hazard in Health Insurance.” American Economic Review 103, no. 1 (February 2013): 178–219.
    • ID: 10.1257/aer.103.1.178 (DOI)

Update Metadata: 2020-05-18 | Issue Number: 2 | Registration Date: 2019-10-12

Einav, Liran; Finkelstein, Amy; Ryan, Stephen P.; Schrimpf, Paul; Cullen, Mark R. (2013): Replication data for: Selection on Moral Hazard in Health Insurance. Version: 1. ICPSR - Interuniversity Consortium for Political and Social Research. Dataset.