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Moral Hazard in Health Insurance: How Important Is Forward Looking Behavior?
National Bureau of Economic Research [NBER] Link to more items from this source
Feb. 6, 2012

We investigate whether individuals exhibit forward looking behavior in their response to the non-linear pricing common in health insurance contracts. Our empirical strategy exploits the fact that employees who join an employer-provided health insurance plan later in the calendar year face the same initial ('spot') price of medical care but a higher expected end-of-year ('future') price than employees who join the same plan earlier in the year.

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