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Time Aggregation in Health Insurance Deductibles.

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Summary
This summary is machine-generated.

Shorter deductible reset periods in health insurance can improve financial well-being. These resetting deductibles offer liquidity benefits, especially for those with borrowing constraints, leading to significant welfare gains.

Keywords:
D15D82G22G51G52I13

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Area of Science:

  • Health Economics
  • Insurance Markets
  • Behavioral Economics

Background:

  • Rising deductibles in health insurance plans shift costs to consumers.
  • Annual deductibles can pose financial challenges, particularly for those with limited liquidity.

Purpose of the Study:

  • To analyze the economic implications of deductibles with shorter reset periods compared to traditional annual deductibles.
  • To model consumer demand for health insurance under different deductible structures.

Main Methods:

  • Developed an economic model comparing annual vs. biannual resetting deductibles.
  • Incorporated factors like borrowing constraints, moral hazard, and delayable care.
  • Calibrated the model using health insurance claims data.

Main Results:

  • Resetting deductibles offer liquidity benefits, improving consumer welfare.
  • Welfare gains range from 3-10% of premium costs.
  • Individuals with borrowing constraints experience the most significant benefits.

Conclusions:

  • Shorter deductible reset periods can enhance consumer welfare by providing liquidity.
  • Policy implications for health insurance design, particularly concerning vulnerable populations.