A Microeconometric Model of the Demand for Health Care and Health Insurance in Australia
构建了一个模型，分析不确定性下健康保险与健康护理的相互依赖需求，利用1977-78年澳大利亚调查数据，实证检验保险类型和七类护理服务的选择，发现健康状况比保险选择更能影响护理使用，而收入则相反，且道德风险和自选择对护理使用有重要影响。
This paper develops a model for interdependent demand for health insurance and health care under uncertainty to throw light on the issue of insurance-induced distortions in the demand for health care services. The model is used to empirically analyse the determinants of the choice of health insurance type and seven types of health care services using micro-level data from the 1977–78 Australian Health Survey. Econometric implementation of the model involves, simultaneously, issues of discreteness of choice, selectivity and stochastic dependence between health insurance and utilization. Health status appears to be more important in determining health care service use than health insurance choice, while income appears to be more important in determining health insurance choice than in determining health care service use. For a broad range of health care services both moral hazard and self selection are found to be important determinants of utilization of health care services.