@article{14bab125b1ba48f082a60de19f3a21cf,
title = "Selection and behavioral responses of health insurance subsidies in the long run: evidence from a field experiment in Ghana",
abstract = "We study the effects of a health insurance subsidy in Ghana, where mandates are not enforceable. We randomly provide different levels of subsidy (1/3, 2/3, and full) and evaluate the impact at 7 months and 3 years after the intervention. We find that a one-time subsidy increased insurance enrollment for all groups in both the short and long runs, but health care utilization in the long run increased only for the partial subsidy group. We find supportive evidence that ex-post behavioral responses rather than ex-ante selective enrollment explain the long-run health care utilization results.",
keywords = "health insurance, randomized experiments, selection, sustainability",
author = "Asuming, {Patrick Opoku} and Kim, {Hyuncheol Bryant} and Armand Sim",
note = "Funding Information: We thank Ama Baafra Abeberese, Douglas Almond, Diane Alexander, Jim Berry, John Cawley, Esteban Mendez Chacon, Pierre‐Andre Chiappori, Giacomo de Giorgi, Junlong Feng, Amy Finkelstein, Rema Hanna, Supreet Kaur, Robert Kaestner, Don Kenkel, Daeho Kim, Michael Kremer, Wojciech Kopczuk, Leigh Linden, Corrine Low, Doug Miller, Sangyoon Park, Seollee Park, Cristian Pop‐Eleches, Bernard Salanie, and seminar participants at Columbia University, Cornell University, Seoul National University, and the NEUDC. This research was supported by the Cornell Population Center and Social Enterprise Development Foundation, Ghana (SEND‐Ghana).” Armand Sim gratefully acknowledges financial support from the Indonesia Education Endowment Fund. All errors are our own. Publisher Copyright: {\textcopyright} 2024 The Authors. Health Economics published by John Wiley & Sons Ltd.",
year = "2024",
month = may,
doi = "10.1002/hec.4797",
language = "English",
volume = "33",
pages = "992--1032",
journal = "Health Economics",
issn = "1057-9230",
publisher = "John Wiley & Sons",
number = "5",
}
