High health care expenditures following a health shock can have long-term economic consequences. Health insurance has the potential to avert economic difficulties following health shocks, increase health care utilization and improve health. However, adverse selection in health insurance markets may stop voluntary health insurance markets from providing protection to most consumers without substantial regulation and subsidization. This paper examines adverse selection in the SKY health microinsurance program in rural Cambodia. As part of this study we use a randomized experimental design to separate adverse selection from moral hazard. We test three implications of theories of adverse selection: that households joining are more adversely selected based on characteristics observable at the baseline; that households that purchase insurance at a high price are more adversely selected on observables than those that purchase identical coverage at a lower price; and that households that purchase at the higher price will demonstrate more adverse selection in utilization than households purchasing coverage at a lower price even after holding constant baseline characteristics ("unobservable" selection).
on the same regionVidéopublished on01 Aug 2018Research documentpublished on01 Jul 2018Institutional documentpublished on01 Jul 2018Vidéopublished on01 May 2018Institutional documentpublished on01 May 2018Vidéopublished on01 May 2018
on the same topicVidéopublished on01 May 2018Research documentpublished on01 Nov 2017Research documentpublished on01 Sep 2017Research documentAn Application of the Alkire-Foster’s Multidimensional Poverty Index to Data from Madagascar: Taking Into Account the Dimensions of Employment and Gender Inequalitypublished on01 Apr 2017Research documentpublished on01 Mar 2017Research documentpublished on01 Mar 2017
from the same collectionEvaluation documentpublished on01 May 2018Evaluation documentpublished on01 Feb 2018Evaluation documentpublished on01 Apr 2017Evaluation documentpublished on01 Mar 2017Evaluation documentEvaluation of AFD‘s Sectoral Intervention Framework (SIF) on Education, Training and Employment, 2013-2015published on01 Oct 2016Evaluation documentpublished on01 Oct 2016