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Health insurance and households' precautionary behaviors : an unusual natural experiment

Author: Shin-Yi Chou; Jin-tan Liu; James K Hammitt; National Bureau of Economic Research.
Publisher: Cambridge, Mass. : National Bureau of Economic Research, ©2002.
Series: Working paper series (National Bureau of Economic Research), no. 9394.
Edition/Format:   eBook : Document : EnglishView all editions and formats
Database:WorldCat
Summary:
Abstract: By reducing risk of large out-of-pocket medical expenses, comprehensive social health insurance may reduce households' motivation to engage in precautionary behaviors such as saving, procurement of private insurance, and spousal labor-force participation. We use the natural experiment provided by the 1995 introduction of National Health Insurance in Taiwan to examine these effects, using pre-existing  Read more...
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Details

Material Type: Document, Internet resource
Document Type: Internet Resource, Computer File
All Authors / Contributors: Shin-Yi Chou; Jin-tan Liu; James K Hammitt; National Bureau of Economic Research.
OCLC Number: 51520910
Notes: "December 2002."
Description: 1 online resource (34 pages).
Series Title: Working paper series (National Bureau of Economic Research), no. 9394.
Responsibility: Shin-Yi Chou, Jin-Tan Liu, James K. Hammitt.

Abstract:

Abstract: By reducing risk of large out-of-pocket medical expenses, comprehensive social health insurance may reduce households' motivation to engage in precautionary behaviors such as saving, procurement of private insurance, and spousal labor-force participation. We use the natural experiment provided by the 1995 introduction of National Health Insurance in Taiwan to examine these effects, using pre-existing differences in access to health insurance (tied to the household head's and spouse's joint employment status) to identify the effects of increasing insurance coverage. We find that comprehensive health insurance has a statistically significant and large effect on household savings and purchase of private accident insurance, but no significant effect on spousal employment.

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