Cost Sharing and Patterns of Mental Health Care Utilization
提出一种新方法，估计健康保险中的免赔额和报销上限对心理健康服务需求的影响，并用500美元报销上限的案例验证了方法的有效性。
Deductibles and coverage ceilings are common features of health insurance. This paper proposes and tests a new method for estimating the impact of these health coverage features on demand when total demand during a particular period is not known with certainty at the beginning of the period. We use expected end-of-year price as a proxy for the notion of effective pricefirst suggested by Keeler et al. (1982) in a two-stage estimation procedure. Applying the method to the demand for ambulatory mental health care in the presence of a $500 coverage ceiling yields estimated demand responses similar to those obtained by other researchers.