Determinants of Household Out-of-Pocket Health Expenditures

This study examines the variation in out-of-pocket expenditures for health services among different types of households and identifies the socioeconomic variables important in determining these expenditures. Contrary to the expectation that insurance coverage reduces out-of-pocket expenditures for h...

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Bibliographic Details
Published in:Social science quarterly 1993-12, Vol.74 (4), p.721-735
Main Authors: RUBIN, Rose M., KOELLN, Kenneth
Format: Article
Language:English
Subjects:
Copayments
Determinants
Employer provided health insurance
Expenditure
Expenditures
Health Care
Health care costs
Health care expenditures
Health care finance
Health expenditures
Health insurance
Homeowners insurance
Household expenditure
Insurance coverage
Insurance premiums
Of General Interest
Out of pocket expenses
Social research
Sociology
Sociology of health and medicine
United States
USA
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Summary:This study examines the variation in out-of-pocket expenditures for health services among different types of households and identifies the socioeconomic variables important in determining these expenditures. Contrary to the expectation that insurance coverage reduces out-of-pocket expenditures for health services, it is found that households with health insurance have higher out-of-pocket expenditures. This is strong evidence of the presence of moral hazard in medical care markets and adverse selection in insurance markets.
ISSN:0038-4941
1540-6237