Marquis M S, Phelps C E
Econ Inq. 1987 Apr;25(2):299-313. doi: 10.1111/j.1465-7295.1987.tb00741.x.
Probit regression estimates show the effects of the price of insurance, anticipated medical expenditures, and other factors on reported decisions about purchasing hypothetically offered supplementary insurance policies. The demand estimates can characterize how much supplemental insurance would be purchased under different tax policies affecting health insurance purchases. Although eliminating the current tax subsidy to insurance is shown to decrease demand, the results indicate a substantial demand for supplementary insurance even in the absence of present tax incentives. However, our results on adverse selection raise concerns about the potential stability of supplemental insurance markets.
概率单位回归估计显示了保险价格、预期医疗支出及其他因素对有关购买假设提供的补充保险政策的报告决策的影响。需求估计可以描述在影响医疗保险购买的不同税收政策下会购买多少补充保险。虽然取消当前对保险的税收补贴会导致需求下降，但结果表明，即使没有当前的税收激励措施，对补充保险仍有大量需求。然而，我们关于逆向选择的结果引发了对补充保险市场潜在稳定性的担忧。
