Prior Conditions, Age and the Impact of Insurance

Eugene Choo and Michael Denny ()

Working Papers from University of Toronto, Department of Economics

Abstract: Health insurance coverage reduces the price perceived by the insured and consequently increases the quantity of health care demanded. We consider vision care insurance because this provides a unique opportunity to observe the differential response to insurance coverage by those with and without a prior medical condition. The results show that there is a response by both groups and the response is larger for those with a prior condition. We also find that vision care insurance is poorly matched in time to the patterns of vision care needs

Keywords: Health Insurance; Vision Care; Prior Conditions (search for similar items in EconPapers)
JEL-codes: I10 I12 (search for similar items in EconPapers)
New Economics Papers: this item is included in nep-ias
Date: Written 2006-10-10
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