Ex-ante moral hazard: empirical evidence for private health insurance in Brazil

Detalhes bibliográficos
Autor(a) principal: Maia, Ana Carolina
Data de Publicação: 2019
Outros Autores: Andrade, Monica Viegas, Chein, Flávia
Tipo de documento: Artigo
Idioma: eng
Título da fonte: Nova Economia (Online)
Texto Completo: https://revistas.face.ufmg.br/index.php/novaeconomia/article/view/4886
Resumo: This paper explores the existence of ex-ante moral hazard in private health insurance in Brazil. Before the advent of illness, insured individuals have no incentives to seek preventive care if it is not previously contractible. The data set comprises longitudinal administrative records of health care utilization from a Brazilian employer-sponsored health insurance plan. The empirical strategy is based on an exogenous and anticipated shock in health insurance coverage not associated with health conditions. The results show an increase of up to 17% on medical visits and 22% on diagnostic tests due to the loss of health insurance. Medical visits start to increase fi ve months before the individual leaves the health insurance pool, reaching its peak at two months prior to exit. For diagnostic tests, the increase was observed only in the last two months before the loss of health insurance coverage. Keywords: ex-ante moral hazard, health insurance, selfinsurance, Brazilian private health insurance.
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spelling Ex-ante moral hazard: empirical evidence for private health insurance in BrazilRisco Moral Ex-ante: uma evidência empírica para o setor de seguro saúde privado no BrasilThis paper explores the existence of ex-ante moral hazard in private health insurance in Brazil. Before the advent of illness, insured individuals have no incentives to seek preventive care if it is not previously contractible. The data set comprises longitudinal administrative records of health care utilization from a Brazilian employer-sponsored health insurance plan. The empirical strategy is based on an exogenous and anticipated shock in health insurance coverage not associated with health conditions. The results show an increase of up to 17% on medical visits and 22% on diagnostic tests due to the loss of health insurance. Medical visits start to increase fi ve months before the individual leaves the health insurance pool, reaching its peak at two months prior to exit. For diagnostic tests, the increase was observed only in the last two months before the loss of health insurance coverage. Keywords: ex-ante moral hazard, health insurance, selfinsurance, Brazilian private health insurance.Este artigo explora a existência de risco moral ex-ante no setor de saúde suplementar no Brasil. Antes do evento da doença, indivíduos com plano/seguro saúde não têm incentivos para procurar cuidado preventivo se esse não for contratado previamente. O conjunto de dados utilizado inclui registros administrativos longitudinais da utilização de cuidados de saúde de um plano de saúde brasileiro patrocinado pelo empregador. A estratégia empírica é baseada em uma mudança exógena e antecipada na cobertura de seguro de saúde não associada à condição de saúde. Os resultados mostram um aumento de até 17% nasconsultas médicas e 22% nos exames diagnósticos. As consultas médicas começam a aumentar a partir do quinto mês antes do indivíduo deixar a carteira com um pico em dois meses. Para testes diagnósticos, o maior aumento foi observado em um e dois meses antes da perda da cobertura do plano de saúde.   Palavras-chave: risco moral ex-ante, plano de saúde, auto-seguro, setor de saúde suplementar no Brasil.Departamento de Ciências Econômicas da UFMG2019-12-31info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionhttps://revistas.face.ufmg.br/index.php/novaeconomia/article/view/4886Nova Economia; Vol. 29 No. 3 (2019); 987-1008Nova Economia; v. 29 n. 3 (2019); 987-10081980-53810103-6351reponame:Nova Economia (Online)instname:Universidade Federal de Minas Gerais (UFMG)instacron:UFMGenghttps://revistas.face.ufmg.br/index.php/novaeconomia/article/view/4886/2996Copyright (c) 2019 Ana Carolina Maia, Monica Viegas Andrade, Flávia Cheininfo:eu-repo/semantics/openAccessMaia, Ana CarolinaAndrade, Monica ViegasChein, Flávia2020-10-04T22:22:18Zoai:ojs.pkp.sfu.ca:article/4886Revistahttps://revistas.face.ufmg.br/index.php/novaeconomiaPUBhttps://revistas.face.ufmg.br/index.php/novaeconomia/oai||ne@face.ufmg.br1980-53810103-6351opendoar:2020-10-04T22:22:18Nova Economia (Online) - Universidade Federal de Minas Gerais (UFMG)false
dc.title.none.fl_str_mv Ex-ante moral hazard: empirical evidence for private health insurance in Brazil
Risco Moral Ex-ante: uma evidência empírica para o setor de seguro saúde privado no Brasil
title Ex-ante moral hazard: empirical evidence for private health insurance in Brazil
spellingShingle Ex-ante moral hazard: empirical evidence for private health insurance in Brazil
Maia, Ana Carolina
title_short Ex-ante moral hazard: empirical evidence for private health insurance in Brazil
title_full Ex-ante moral hazard: empirical evidence for private health insurance in Brazil
title_fullStr Ex-ante moral hazard: empirical evidence for private health insurance in Brazil
title_full_unstemmed Ex-ante moral hazard: empirical evidence for private health insurance in Brazil
title_sort Ex-ante moral hazard: empirical evidence for private health insurance in Brazil
author Maia, Ana Carolina
author_facet Maia, Ana Carolina
Andrade, Monica Viegas
Chein, Flávia
author_role author
author2 Andrade, Monica Viegas
Chein, Flávia
author2_role author
author
dc.contributor.author.fl_str_mv Maia, Ana Carolina
Andrade, Monica Viegas
Chein, Flávia
description This paper explores the existence of ex-ante moral hazard in private health insurance in Brazil. Before the advent of illness, insured individuals have no incentives to seek preventive care if it is not previously contractible. The data set comprises longitudinal administrative records of health care utilization from a Brazilian employer-sponsored health insurance plan. The empirical strategy is based on an exogenous and anticipated shock in health insurance coverage not associated with health conditions. The results show an increase of up to 17% on medical visits and 22% on diagnostic tests due to the loss of health insurance. Medical visits start to increase fi ve months before the individual leaves the health insurance pool, reaching its peak at two months prior to exit. For diagnostic tests, the increase was observed only in the last two months before the loss of health insurance coverage. Keywords: ex-ante moral hazard, health insurance, selfinsurance, Brazilian private health insurance.
publishDate 2019
dc.date.none.fl_str_mv 2019-12-31
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv https://revistas.face.ufmg.br/index.php/novaeconomia/article/view/4886
url https://revistas.face.ufmg.br/index.php/novaeconomia/article/view/4886
dc.language.iso.fl_str_mv eng
language eng
dc.relation.none.fl_str_mv https://revistas.face.ufmg.br/index.php/novaeconomia/article/view/4886/2996
dc.rights.driver.fl_str_mv Copyright (c) 2019 Ana Carolina Maia, Monica Viegas Andrade, Flávia Chein
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Copyright (c) 2019 Ana Carolina Maia, Monica Viegas Andrade, Flávia Chein
eu_rights_str_mv openAccess
dc.publisher.none.fl_str_mv Departamento de Ciências Econômicas da UFMG
publisher.none.fl_str_mv Departamento de Ciências Econômicas da UFMG
dc.source.none.fl_str_mv Nova Economia; Vol. 29 No. 3 (2019); 987-1008
Nova Economia; v. 29 n. 3 (2019); 987-1008
1980-5381
0103-6351
reponame:Nova Economia (Online)
instname:Universidade Federal de Minas Gerais (UFMG)
instacron:UFMG
instname_str Universidade Federal de Minas Gerais (UFMG)
instacron_str UFMG
institution UFMG
reponame_str Nova Economia (Online)
collection Nova Economia (Online)
repository.name.fl_str_mv Nova Economia (Online) - Universidade Federal de Minas Gerais (UFMG)
repository.mail.fl_str_mv ||ne@face.ufmg.br
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