Distinguishing moral hazard from access for high-cost healthcare under insurance.

We found that respondents tended to be sensitive to the value of the healthcare proposed–just as the factor was highly significant in our pooled models, treatment value made a detectable difference (at the 0.05 level) to respondent decisions in 5 out of 9 of the individual disease experiments (including Experiment 1, its replication in Experiment 2, and seven others).

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