Double health insurance coverage and health care utilisation: Evidence from quantile regression

Sara Moreira*, Pedro Pita Barros

*Corresponding author for this work

Research output: Contribution to journalArticle

12 Scopus citations

Abstract

Double health insurance coverage exists when an individual benefits from more than one health insurance plan at the same time. We examine the impact of such supplementary insurance on the utilisation of doctor consultations in Portugal, taking advantage of institutional features which make double coverage plausibly exogenous. The novelty is that the analysis is carried out for different points of the conditional distribution, not only for its mean location, within the context of count data modelling and without imposing restrictive parametric assumptions. Results indicate that double coverage creates additional utilisation of health care across the whole outcome distribution for both public and private second layers of health insurance coverage but with greater magnitude in the latter group. We unveil that this additional consumption effect is relatively smaller for more frequent users.

Original languageEnglish (US)
Pages (from-to)1075-1092
Number of pages18
JournalHealth Economics
Volume19
Issue number9
DOIs
StatePublished - Sep 1 2010

Keywords

  • Count data
  • Demand for health services
  • Moral hazard
  • Quantile regression

ASJC Scopus subject areas

  • Health Policy

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