Reductions in out-of-pocket prices and forward-looking moral hazard in health care demand

Johansson, Naimi; New, Sonja C. de; Kunz, Johannes; Petrie, Dennis; Svensson, Mikael

doi:10.1016/j.jhealeco.2022.102710

Cited by 10 publications

(1 citation statement)

References 34 publications

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“…Delayed use of primary health care use could increase the risk of developing worse health conditions and may substantially increase health care costs. It could also create considerable challenges for the financial sustainability of insurance schemes (14,37,38). Since the Ethiopian CBHI is primarily intended for rural residents who are largely poor, an immediate visit for symptoms of illness would be costly to them.…”

Section: Discussionmentioning

confidence: 99%

Does community-based health insurance affect lifestyle and timing of treatment seeking behavior? Evidence from Ethiopia

Anteneh,

Mebratie,

Shigute

et al. 2023

Preprint

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There has been a growing concern about the financial sustainability of community-based health insurance (CBHI) schemes in developing countries recently. However, little empirical studies have been conducted to identify potential contributors including ex-ante and ex-post moral hazards. We respond to this concern by investigating the effects of being insured on household lifestyle -Preventive Care- and the timing of treatment seeking behavior in the context of Ethiopia’s CBHI scheme. Using three rounds of household panel data and a fixed-effects household model, we do not find a significant impact on preventive care activities. However, we find that participation in CBHI increases delay in treatment-seeking behavior for malaria, tetanus, and tuberculosis symptoms. This behavior is costly for the insurer. Therefore, it is essential to identify the primary causes of delays in seeking medical services and implement appropriate interventions aimed at encouraging insured individuals to seek early medical attention when signs of diseases emerge.

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Section: Discussionmentioning

confidence: 99%

Does community-based health insurance affect lifestyle and timing of treatment seeking behavior? Evidence from Ethiopia

Anteneh,

Mebratie,

Shigute

et al. 2023

Preprint

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Does outpatient mutual‐aid reduce oncology patients' utilization of inpatient services?—An empirical study of outpatient mutual‐aid policy in Wuhan, China

Jiang,

Zhang,

Bingbing

2024

Health Planning & Management

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BackgroundThe escalating costs of healthcare had prompted countries to undertake reforms, and in recent years China had focused on overhauling its outpatient healthcare system. China implemented the outpatient mutual‐aid policy which had led to a change in the costs associated with outpatient treatment from being fully self‐paid by the patient to being partially self‐paid.PurposeThis study aimed to assess the impact of the outpatient mutual‐aid policy on inpatient services for oncology patients in Wuhan, China, exploring the impact that the cumbersome administration of health insurance would have on patient welfare.Methods24,260 oncology patients of the health insurance reimbursement database in Wuhan spanning from January 2022 to July 2023 were included. After data processing, 12,985 patients were included in the control group and 11,275 patients were included in the experimental group. The regression discontinuity design was employed to assess the impact of the policy.ResultsThe findings was that the implementation of the outpatient mutual‐aid would result in a reduction of 1.2 days in the length of stay for oncology patients, a decrease in hospital costs by 5%, and a decline in expenditure of the health insurance reimbursement funds by 5 per cent.ConclusionsIncorporating outpatient costs into reimbursement supplanted the utilization of inpatient services, enhanced the allocation of healthcare resources, and alleviated the financial burden on oncology patients. Furthermore, it highlighted the detrimental impact of eligibility review to verify that a patient meets the reimbursement requirements of the health insurance policy on patient welfare.

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Does community-based health insurance affect lifestyle and timing of treatment seeking behavior? Evidence from Ethiopia

Anteneh,

Mebratie,

Shigute

et al. 2024

Global Health Journal

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Reductions in out-of-pocket prices and forward-looking moral hazard in health care demand

Cited by 10 publications

References 34 publications

Does community-based health insurance affect lifestyle and timing of treatment seeking behavior? Evidence from Ethiopia

Does community-based health insurance affect lifestyle and timing of treatment seeking behavior? Evidence from Ethiopia

Does outpatient mutual‐aid reduce oncology patients' utilization of inpatient services?—An empirical study of outpatient mutual‐aid policy in Wuhan, China

Does community-based health insurance affect lifestyle and timing of treatment seeking behavior? Evidence from Ethiopia

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