Is there an ex-ante moral hazard on Indonesia's health insurance? An impact analysis on household waste management behavior.

Autor: Gitaharie BY; Department of Economics, Faculty of Economics and Business, Universitas Indonesia, Depok, Indonesia., Nasrudin R; Department of Economics, Faculty of Economics and Business, Universitas Indonesia, Depok, Indonesia., Bonita APA; Department of Economics, Faculty of Economics and Business, Universitas Indonesia, Depok, Indonesia., Putri LAM; Department of Economics, Faculty of Economics and Business, Universitas Indonesia, Depok, Indonesia., Rohman MA; Department of Economics, Faculty of Economics and Business, Universitas Indonesia, Depok, Indonesia., Handayani D; Department of Economics, Faculty of Economics and Business, Universitas Indonesia, Depok, Indonesia.
Jazyk: angličtina
Zdroj: PloS one [PLoS One] 2022 Dec 15; Vol. 17 (12), pp. e0276521. Date of Electronic Publication: 2022 Dec 15 (Print Publication: 2022).
DOI: 10.1371/journal.pone.0276521
Abstrakt: The presence of ex-ante moral hazard could undermine the potential gain from expanding health insurance coverage in developing nations. To test the proposition, this study utilizes a nationally representative longitudinal survey with Indonesia's health insurance for poor policy in 2014 as the quasi-experimental case study. The country represents developing nations that undergo a massive and rapid expansion of health insurance coverage. The empirical approach combines a matching and difference-in-differences method to obviate potential bias of the selectivity nature of health insurance provision and time-invariant unobserved factors. The findings suggest the presence of ex-ante moral hazard in the form of the less people using trash cans associated with the introduction of the subsidized health insurance premium. The results add empirical findings of a negative side effect of expanding health insurance coverage in developing nations.
Competing Interests: This research and publication has no competing interests related to any patents, patent application, or products in development or for market.
(Copyright: © 2022 Gitaharie et al. This is an open access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.)
Databáze: MEDLINE
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