Bijlsma, Michiel

Boone, Jan

Douven, R.C.M.H.

Remmerswaal, Minke

Since 2006, the Dutch population has faced two different cost-sharing schemes in health insurance for curative care: a mandatory rebate of 255 euros in 2006 and 2007, and since 2008 a mandatory deductible. Using administrative data for the entire Dutch population, we compare the effect of both cost-sharing schemes on healthcare consumption between 2006 and 2013. We use a regression discontinuity design which exploits the fact that persons younger than eighteen years old neither face a rebate nor a deductible. Our fixed effectestimate shows that for individuals around the age of eighteen, a one euro increase of the deductible reduces healthcare expenditures 18 eurocents more than a euro increase of the rebate. These results demonstrate that differences in the design of a cost-sharing scheme can lead to substantial different effects on total healthcare expenditure

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Cost-Sharing Design Matters:A Comparison of the Rebate and Deductible in Healthcare

https://pure.uvt.nl/ws/files/19635453/TILEC_CentER_DP_2017_039.pdf

Cost-Sharing Design Matters:A Comparison of the Rebate and Deductible in Healthcare

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