Run for cover now or later? The impact of premiums, threats and deadlines on private health insurance in Australia

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dc.contributor.author Ellis, R
dc.contributor.author Savage, EJ
dc.date.accessioned 2010-05-28T09:53:13Z
dc.date.issued 2008-01
dc.identifier.citation International Journal of Health Care Finance and Economics, 2008, 8 (4), pp. 257 - 277
dc.identifier.issn 1389-6563
dc.identifier.other C1 en_US
dc.identifier.uri http://hdl.handle.net/10453/9975
dc.description.abstract Between 1997 and 2000 the Australian government introduced three policy reforms that aimed to increase private health insurance coverage and reduce public hospital demand. The first provided income-based tax incentives; the second gave an across-the-board 30% premium subsidy; and the third introduced selective age-based premium increases for those enrolling after a deadline. Together the reforms increased enrolment by 50% and reduced the average age of enrollees. The deadline appeared to induce consumers to enroll now rather than delay. We estimate a model of individual insurance decisions and examine the effects of the reforms on the age and income distribution of those with private cover. We interpret the major driver of the increased enrollment as a response to a deadline and an advertising blitz, rather than a pure price response.
dc.publisher Springer
dc.relation.isbasedon 10.1007/s10754-008-9040-4
dc.title Run for cover now or later? The impact of premiums, threats and deadlines on private health insurance in Australia
dc.type Journal Article
dc.parent International Journal of Health Care Finance and Economics
dc.journal.volume 4
dc.journal.volume 8
dc.journal.number 4 en_US
dc.publocation US en_US
dc.identifier.startpage 257 en_US
dc.identifier.endpage 277 en_US
dc.cauo.name BUS.Faculty of Business en_US
dc.conference Verified OK en_US
dc.for 140208 Health Economics
dc.personcode 020120
dc.personcode 103227
dc.percentage 100 en_US
dc.classification.name Health Economics en_US
dc.classification.type FOR-08 en_US
dc.edition en_US
dc.custom en_US
dc.date.activity en_US
dc.location.activity en_US
dc.description.keywords private health insurance, financial incentives, behavioural decision-making en_US
dc.description.keywords private health insurance, financial incentives, behavioural decision-making
dc.description.keywords private health insurance, financial incentives, behavioural decision-making
pubs.embargo.period Not known
pubs.organisational-group /University of Technology Sydney
pubs.organisational-group /University of Technology Sydney/Faculty of Business
pubs.organisational-group /University of Technology Sydney/Faculty of Business/Economics
pubs.organisational-group /University of Technology Sydney/Strength - Study of Choice
utslib.copyright.status Closed Access
utslib.copyright.date 2015-04-15 12:17:09.805752+10


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