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Clinical Trial
. 1996 Oct;15(5):609-39.
doi: 10.1016/s0167-6296(96)00497-3.

Health insurance: the tradeoff between risk pooling and moral hazard

W G Manning  1 , M S Marquis
Affiliations
Clinical Trial

Health insurance: the tradeoff between risk pooling and moral hazard

W G Manning et al. J Health Econ. 1996 Oct.

Abstract

Choosing optimal health insurance coverage involves a trade-off between the gain from risk reduction and the deadweight loss from moral hazard. This paper examines this trade-off empirically by estimating both the demand for health insurance and the demand for health services. It relies on data from a randomized controlled trial of cost-sharing's effects on the use of health services and on the health status for a general, non-elderly population.

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