Hurd M D, McGarry K
Department of Economics, SUNY Stony Brook, New York, NY, USA. mcgarry@.ucla.edu
J Health Econ. 1997 Apr;16(2):129-54. doi: 10.1016/s0167-6296(96)00515-2.
The objective of this paper is to find how health insurance influences the use of health care services by the elderly. On the basis of the first wave of the Asset and Health Dynamics Survey, we find that those who are the most heavily insured use the most health care services. Because our data show little relationship between observable health measures and either the propensity to hold or to purchase private insurance, we interpret this as an effect of the incentives embodied in the insurance, rather than as the result of adverse selection in the purchase of insurance.
本文的目的是探究医疗保险如何影响老年人对医疗保健服务的使用。基于资产与健康动态调查的首轮数据，我们发现那些参保程度最高的人使用的医疗保健服务最多。由于我们的数据显示，可观察到的健康指标与持有或购买私人保险的倾向之间几乎没有关联，因此我们将此解释为保险所体现的激励作用，而非购买保险时逆向选择的结果。
