The Effect of Deductibles on the Demand for Medical Care Services
利用不同免赔额保单的保费数据和固定免赔额下的医疗费用分布，估计了免赔额与医疗服务需求的关系，发现需求在免赔额50美元附近敏感，高于75美元后敏感性下降。
Abstract Using data on insurance premiums for policies with varying deductibles, together with a distribution of medical expense at a fixed ($50) deductible, we estimate the relationship between deductibles and the demand for medical care. We assume that as the deductible changes, the distribution shrinks toward zero in a multiplicative fashion. The results indicate that demand is quite sensitive to variation in a deductible in the region of $50 and becomes steadily less sensitive as the deductible rises above $75, which is consistent with a theoretical model of demand for medical care. The size of the deductible will importantly affect the costs of a national health insurance program.