Selection and behavioral responses of health insurance subsidies in the long run: Evidence from a field experiment in Ghana

Patrick Opoku Asuming, Hyuncheol Bryant Kim, Armand Sim

Research output: Contribution to journalArticlepeer-review

1 Citation (Scopus)

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.

Original languageEnglish
JournalHealth Economics (United Kingdom)
DOIs
Publication statusAccepted/In press - 2024
Externally publishedYes

Keywords

  • health insurance
  • randomized experiments
  • selection
  • sustainability

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