THE ROLE OF INCOME AND HEALTH RISK IN THE CHOICE OF HEALTH-INSURANCE - EVIDENCE FROM AUSTRALIA
THE ROLE OF INCOME AND HEALTH RISK IN THE CHOICE OF HEALTH-INSURANCE - EVIDENCE FROM AUSTRALIA
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DOI：
10.1016/0047-2727(91)90045-4
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发表时间：
1991-06-01
影响因子：
9.8
通讯作者：
TRIVEDI, PK
中科院分区：
文献类型：
--
作者：
CAMERON, AC;TRIVEDI, PK
健康保险的选择是使用来自澳大利亚的个人数据进行调查，所有人都面临着一个共同的有限的一组可能的健康保险政策。数据涵盖两种不同的制度：一种是保险选择范围更广;另一种是在保险和不保险之间做出更大的选择。在确定健康保险的选择，结果表明，收入的主要作用;保费的主要作用，特别是在第一制度;和观察到的健康风险相关的因素，除了年龄和性别的次要作用。
Health insurance choice is investigated using individual data from Australia where all people faced a common limited set of possible health insurance policies. The data cover two separate regimes: one in which insurance choice was for a more generous level of coverage; and one in which the choice was a more dramatic one between insurance and no insurance coverage. In determining health insurance choice, the results indicate a major role for income; a major role for premium, notably in the first regime; and a minor role for observed factors related to health risk, aside from age and sex.