Can risk rating increase the ability of voluntary deductibles to reduce moral hazard?

Geneva Pap Risk Insur Issues Pract · 2023 · PMC8562369 · PMID 34744394

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almost insignificantno p-value reported

The literature suggests that the demand elasticity for inpatient episodes is small or almost insignificant (Ellis et al. 2017 ; Aron-Dine et al. 2013 ).

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a decreasing trendno p-value reported

This applies in all three scenarios with a decreasing trend as the self-selection lowers.

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