Copays, Selection, and Impact: Experimental Evidence on Health I nsurance in Uganda" with Kim Cramer and Jack Willis
Abstract:
Designing health insurance requires setting multiple contract terms, such as premiums and copays. While tradeoffs across these terms are likely to be especially important for low-income households in developing c ountries, most existing evidence comes from high-income settings. In a rand omized controlled trial with a health insurance provider and 3,000 househol ds in rural Uganda, we measure the demand for and effects of health insuran ce, and how these vary with the level of the copay. Combining survey data w ith administrative data from healthcare providers, the experimental design identifies impacts on healthcare use, health, and financial outcomes, as we ll as selection and moral hazard. It further allows us to simulate outcomes non-parametrically under a rich set of contract structures, highlighting t he tradeoffs between premiums and copays for both consumers and providers.< /p> DTSTAMP:20260525T193445Z DTSTART:20251120T163000Z DTEND:20251120T180000Z SEQUENCE:0 TRANSP:OPAQUE END:VEVENT END:VCALENDAR