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Prevention and Private Health Insurance in the U.K

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  • Christophe Courbage

    (The Geneva Association)

  • Augustin de Coulon

    (Queen Mary, University of London, Centre for Economic Performance, London School of Economics and IZA, Bonn)

Abstract

This paper investigates empirically how different insurance plans affect individual behaviours in terms of prevention activities in the U.K. The data come from the British Household Panel Survey. We test if purchasing private health insurance modifies the probability of exercising, undergoing regular check-ups and smoking. Based on both simple probits and an IV strategy, our results suggest that, in the U.K., contracting private health insurance does not lead to less prevention. The Geneva Papers on Risk and Insurance (2004) 29, 719–727. doi:10.1111/j.1468-0440.2004.00313.x

Suggested Citation

  • Christophe Courbage & Augustin de Coulon, 2004. "Prevention and Private Health Insurance in the U.K," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 29(4), pages 719-727, October.
    • Handle: RePEc:pal:gpprii:v:29:y:2004:i:4:p:719-727
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    Citations

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    Cited by:

    1. Chad Cotti & Erik Nesson & Nathan Tefft, 2019. "Impacts of the ACA Medicaid expansion on health behaviors: Evidence from household panel data," Health Economics, John Wiley & Sons, Ltd., vol. 28(2), pages 219-244, February.
    2. Fichera, Eleonora & Sutton, Matt, 2011. "State and self investments in health," Journal of Health Economics, Elsevier, vol. 30(6), pages 1164-1173.
    3. Aida Isabel Tavares & Pedro Pita Barros, 2011. "Ex-ante Moral Hazard and Primary Prevention, evidence from Portugal," Working Papers de Economia (Economics Working Papers) 56, Departamento de Economia, Gestão e Engenharia Industrial, Universidade de Aveiro.
    4. John Gathergood & Eleonora Fichera, 2012. "House Prices, Home Equity and Health," Discussion Papers 12/07, University of Nottingham, School of Economics.
    5. Yingying Dong, 2013. "How Health Insurance Affects Health Care Demand—A Structural Analysis Of Behavioral Moral Hazard And Adverse Selection," Economic Inquiry, Western Economic Association International, vol. 51(2), pages 1324-1344, April.
    6. STANCIOLE Anderson, 2007. "Health Insurance and Life Style Choices: Identifying the Ex Ante Moral Hazard," IRISS Working Paper Series 2007-10, IRISS at CEPS/INSTEAD.
    7. Capatina, Elena, 2020. "Selection in employer sponsored health insurance," Journal of Health Economics, Elsevier, vol. 71(C).
    8. Dhaval Dave & Robert Kaestner, 2009. "Health insurance and ex ante moral hazard: evidence from Medicare," International Journal of Health Economics and Management, Springer, vol. 9(4), pages 367-390, December.
    9. Ji Luo & Yuanxiang Zhou, 2019. "How Individual Characters Affect the Ex ante Moral Hazard of Basic Medical Insurance: Evidence from China," Applied Economics and Finance, Redfame publishing, vol. 6(5), pages 53-69, September.
    10. Wanyue Dong & Jianmin Gao & Zhongliang Zhou & Ruhai Bai & Yue Wu & Min Su & Chi Shen & Xin Lan & Xiao Wang, 2018. "Effects of China’s urban basic health insurance on preventive care service utilization and health behaviors: Evidence from the China Health and Nutrition Survey," PLOS ONE, Public Library of Science, vol. 13(12), pages 1-14, December.
    11. Eleonora Fichera & John Gathergood, 2016. "Do Wealth Shocks Affect Health? New Evidence from the Housing Boom," Health Economics, John Wiley & Sons, Ltd., vol. 25(S2), pages 57-69, November.
    12. Ning Neil Yu & Xi Zhu, 2018. "Affordable care encourages healthy living: Theory and evidence from China's new cooperative medical scheme," Health Economics, John Wiley & Sons, Ltd., vol. 27(12), pages 2051-2066, December.
    13. Yilma, Zelalem & van Kempen, Luuk & de Hoop, Thomas, 2012. "A perverse ‘net’ effect? Health insurance and ex-ante moral hazard in Ghana," Social Science & Medicine, Elsevier, vol. 75(1), pages 138-147.
    14. Andrey Aistov & Ekaterina Aleksandrova & Christopher J. Gerry, 2021. "Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia," The European Journal of Health Economics, Springer;Deutsche Gesellschaft für Gesundheitsökonomie (DGGÖ), vol. 22(2), pages 281-309, March.
    15. Seog, S. Hun & Hong, Jimin, 2024. "Moral hazard in loss reduction and state-dependent utility," Insurance: Mathematics and Economics, Elsevier, vol. 115(C), pages 151-168.
    16. Robert Rosenman, 2011. "The public finance of healthy behavior," Public Choice, Springer, vol. 147(1), pages 173-188, April.

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