An investigation of health insurance policy and behavior in a virtual environment

We introduce a new experimental approach to measuring the effects of health insurance policy alternatives on behavior and health outcomes over the life course. In a virtual environment with multi-period lives, subjects earn virtual income and allocate spending, to maximize utility, which is converte...

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Veröffentlicht in:PloS one 2021-04, Vol.16 (4), p.e0248784-e0248784, Article 0248784
Hauptverfasser: Tracy, J. Dustin, James, Kevin A., Kaplan, Hillard, Rassenti, Stephen
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James, Kevin A.
Kaplan, Hillard
Rassenti, Stephen
description We introduce a new experimental approach to measuring the effects of health insurance policy alternatives on behavior and health outcomes over the life course. In a virtual environment with multi-period lives, subjects earn virtual income and allocate spending, to maximize utility, which is converted into cash payment. We compare behavior across age, income and insurance plans-one priced according to an individual's expected cost and the other uniformly priced through employer-implemented cost sharing. We find that 1) subjects in the employer-implemented plan purchased insurance at higher rates; 2) the employer-based plan reduced differences due to income and age; 3) subjects in the actuarial plan engaged in more health-promoting behaviors, but still below optimal levels, and did save at the level required, so did realize the full benefits of the plan. Subjects had more difficulty optimizing choices in the Actuarial treatment, because it required more long term planning and evaluating benefits that compounded over time. Contrary, to model predictions, the actuarial priced insurance plan did not increase utility relative to the employer-based plan.
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subjects Behavior
Biology and Life Sciences
Computer and Information Sciences
Cost control
Data analysis
Decision making
Demographic aspects
Design
Developed countries
Disease
Drafting software
Economic aspects
Economics
Editing
Exercise
Experiments
Fruits
GDP
Gross Domestic Product
Health care expenditures
Health care policy
Health disparities
Health insurance
Health risks
Health services
Incentives
Insurance
Insurance coverage
Insurance policies
Laboratories
Medical research
Medicine and Health Sciences
Methodology
Monetary incentives
Morbidity
Mortality
Multidisciplinary Sciences
Patient Protection & Affordable Care Act 2010-US
Physical fitness
Policies
Population
Reviews
Science & Technology
Science & Technology - Other Topics
Social aspects
Social Sciences
Statistical analysis
Virtual environments
title An investigation of health insurance policy and behavior in a virtual environment
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