Cost-Sharing Design Matters: A Comparison of the Rebate and Deductible in Healthcare
Michiel Bijlsma and
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Minke Remmerswaal: Tilburg University, Center For Economic Research
Michiel Bijlsma: Tilburg University, Center For Economic Research
No 2017-049, Discussion Paper from Tilburg University, Center for Economic Research
Since 2006, the Dutch population has faced two different cost-sharing schemes in health insurance for curative care: a mandatory rebate of 255 euros in 2006 and 2007, and since 2008 a mandatory deductible. Using administrative data for the entire Dutch population, we compare the effect of both cost-sharing schemes on healthcare consumption between 2006 and 2013. We use a regression discontinuity design which exploits the fact that persons younger than eighteen years old neither face a rebate nor a deductible. Our fixed effect estimate shows that for individuals around the age of eighteen, a one euro increase of the deductible reduces healthcare expenditures 18 eurocents more than a euro increase of the rebate. These results demonstrate that differences in the design of a cost-sharing scheme can lead to substantial different effects on total healthcare expenditure.
Keywords: deductible; rebate; cost-sharing; healthcare consumption; regression discontinuity; panel data (search for similar items in EconPapers)
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Working Paper: Cost-Sharing Design Matters: A Comparison of the Rebate and Deductible in Healthcare (2017)
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