Boonen Lieke H H M, Laske-Aldershof Trea, Schut Frederik T
Institute of Health Policy and Management, Erasmus University Rotterdam, PO Box 1738, 3000 DR, Rotterdam, The Netherlands.
Eur J Health Econ. 2016 Apr;17(3):339-53. doi: 10.1007/s10198-015-0681-1. Epub 2015 Mar 28.
We examine the impact of price, service quality and information search on people's propensity to switch health insurers in the competitive Dutch health insurance market. Using panel data from annual household surveys and data on health insurers' premiums and quality ratings over the period 2006-2012, we estimate a random effects logit model of people's switching decisions. We find that switching propensities depend on health plan price and quality, and on people's age, health, education and having supplementary or group insurance. Young people (18-35 years) are more sensitive to price, whereas older people are more sensitive to quality. Searching for health plan information has a much stronger impact on peoples' sensitivity to price than to service quality. In addition, searching for health plan information has a stronger impact on the switching propensity of higher than lower educated people, suggesting that higher educated people make better use of available health plan information. Finally, having supplementary insurance significantly reduces older people's switching propensity.
我们研究了价格、服务质量和信息搜索对处于竞争状态的荷兰健康保险市场中人们更换健康保险公司倾向的影响。利用年度家庭调查的面板数据以及2006 - 2012年期间健康保险公司保费和质量评级的数据，我们估计了一个关于人们更换决策的随机效应logit模型。我们发现，更换倾向取决于健康计划的价格和质量，以及人们的年龄、健康状况、教育程度和是否拥有补充保险或团体保险。年轻人（18 - 35岁）对价格更为敏感，而老年人对质量更为敏感。搜索健康计划信息对人们价格敏感性的影响比对服务质量的影响要强得多。此外，搜索健康计划信息对受教育程度较高者更换倾向的影响比对受教育程度较低者的影响更强，这表明受教育程度较高的人能更好地利用现有的健康计划信息。最后，拥有补充保险显著降低了老年人的更换倾向。
