Run for cover now or later? The impact of premiums, threats and deadlines on private health insurance in Australia

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dc.contributor.author Ellis, Randall en_US
dc.contributor.author Savage, Elizabeth en_US
dc.contributor.editor en_US
dc.date.accessioned 2010-05-28T09:53:13Z
dc.date.available 2010-05-28T09:53:13Z
dc.date.issued 2008 en_US
dc.identifier 2007002485 en_US
dc.identifier.citation Ellis Randall and Savage Elizabeth 2008, 'Run for cover now or later? The impact of premiums, threats and deadlines on private health insurance in Australia', Springer, vol. 8, no. 4, pp. 257-277. en_US
dc.identifier.issn 1389-6563 en_US
dc.identifier.other C1 en_US
dc.identifier.uri http://hdl.handle.net/10453/9975
dc.description.abstract Between 1997 and 2000 the Australian government introduced three policy reforms that aimed to increase private health insurance coverage and reduce public hospital demand. The first provided income-based tax incentives; the second gave an across-the-board 30% premium subsidy; and the third introduced selective age-based premium increases for those enrolling after a deadline. Together the reforms increased enrolment by 50% and reduced the average age of enrollees. The deadline appeared to induce consumers to enroll now rather than delay. We estimate a model of individual insurance decisions and examine the effects of the reforms on the age and income distribution of those with private cover. We interpret the major driver of the increased enrollment as a response to a deadline and an advertising blitz, rather than a pure price response. en_US
dc.language en_US
dc.publisher Springer en_US
dc.relation.isbasedon http://dx.doi.org/10.1007/s10754-008-9040-4 en_US
dc.title Run for cover now or later? The impact of premiums, threats and deadlines on private health insurance in Australia en_US
dc.parent International Journal of Health Care Finance and Economics en_US
dc.journal.volume 8 en_US
dc.journal.number 4 en_US
dc.publocation US en_US
dc.identifier.startpage 257 en_US
dc.identifier.endpage 277 en_US
dc.cauo.name BUS.Faculty of Business en_US
dc.conference Verified OK en_US
dc.for 140208 en_US
dc.personcode 103227 en_US
dc.personcode 020120 en_US
dc.percentage 100 en_US
dc.classification.name Health Economics en_US
dc.classification.type FOR-08 en_US
dc.edition en_US
dc.custom en_US
dc.date.activity en_US
dc.location.activity en_US
dc.description.keywords private health insurance, financial incentives, behavioural decision-making en_US
dc.staffid en_US
dc.staffid 020120 en_US


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