Health insurance and the demand for medical care.
With rare exceptions the provision of actuarially fair health insurance tends to substantially increase the demand for medical care by redistributing income from the healthy to the sick. This suggests that previous studies which attribute all the extra demand for medical care to moral hazard effects may overestimate the efficiency costs of health insurance.
D000206:Actuarial Analysis; D006301:Health Services Needs and Demand / Q000191:economics*; D006302:Health Services Research / Q000191:economics*; D007348:Insurance, Health; D012306:Risk; D014481:United States