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Health insurance selection in Chile: a cross-sectional and panel analysis.
Cristian Pardo1, Whitney Schott
1Department of Economics, Saint Joseph's University, 5600 City Avenue, Philadelphia, PA 19131, USA.
Health Policy and Planning
|April 6, 2013
Summary
Chilean workers
Area of Science:
- Health Economics
- Public Health Policy
- Insurance Markets
Background:
- Chile mandates public or private health insurance.
- Private premiums link to risk; public premiums link to income.
- This may cause high-risk individuals to favor public insurance.
Purpose of the Study:
- Explore determinants of health insurance choice in Chile.
- Empirically test for adverse selection in health insurance.
- Analyze the impact of premium structures on insurance selection.
Main Methods:
- Utilized panel data from Chile's 'Encuesta de Proteccion Social'.
- Employed cross-sectional analysis and fixed-effect methods.
- Controlled for individual observed and unobserved characteristics.
Main Results:
- Age, sex, job type, income, and self-reported health significantly influence insurance choice.
- Evidence suggests health risk and income sorting occurs.
- Public insurance covers a less healthy population, potentially increasing costs.
Conclusions:
- Asymmetries in premium structures and mobility restrictions contribute to market segmentation.
- Addressing these asymmetries is crucial for reducing health service inequality.
- Policy should focus on premium structures and inter-system mobility to improve equity.
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