Background: Previous studies have mostly focused on socio-demographic and health-related determinants of health-related behaviors. Although comprehensive health insurance coverage could discourage individual lifestyle improvement due to the ex-ante moral hazard problem, few studies have examined such effects. This study examines the association of a comprehensive set of factors including socio-demographic, health status, health insurance, and perceived change in health insurance coverage with health-related behaviors and their dynamics (ie, changes in behavior
Conclusion:Our findings show that all above mentioned factors (ie, socio-demographic and health status factors) are associated with health-related behavior but not in a consistent way across all behaviors. Moreover, the dynamics of each behavior (positive or negative change) is not necessarily determined by the same factors that determine the state of that behavior. We also find that better perceived health insurance coverage is associated with a healthier lifestyle which is not compatible with an ex-ante moral hazard interpretation. Our results provide input to target policies towards elderly individuals in need of lifestyle change. However, further research should be done to identify the causal effect of health insurance on health-related behavior. Implications for policy makers • Health-related behavior should not be treated as a uniform concept, each behavior should rather be considered separately.
•The dynamics of health-related behavior are not necessarily associated with the same factors that determine the state of that behavior. • A comprehensive understanding of the determinants of health-related behavior is crucial to change individuals' behaviors into a healthier lifestyle.• Ex-ante moral hazard does not seem to undermine healthy behavior.
Implications for publicAlthough some studies have found that someone who smokes is more likely also to drink excessively and be physically inactive, in this study, we found that different people engage in different unhealthy behaviors. Additionally, those more likely to desist from such behaviors also vary. Therefore, we recommend that researchers and policy-makers should consider each health behavior separately. Some people have argued that people should pay privately for their healthcare because people will only look after their health if they have to pay when something goes wrong with their health. Our study found that in the Netherlands, this is not the case: people who received more coverage from their health insurer looked after their health more.