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The effect of reinsuring a deductible on pharmaceutical spending: A Dutch case study on low-income people

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  • Non, Mariëlle
  • van Kleef, Richard
  • van der Galiën, Onno
  • Douven, Rudy

Abstract

Many countries have cost sharing schemes in health insurance to control health care expenditures. The Dutch basic health insurance includes a mandatory deductible of currently 385 euros per adult per year. To avoid affordability problems, several municipalities offer a group contract for low-income people in which the mandatory deductible is ‘reinsured’. More specifically, this means that out-of-pocket spending under the deductible is covered by supplementary insurance.

Suggested Citation

  • Non, Mariëlle & van Kleef, Richard & van der Galiën, Onno & Douven, Rudy, 2019. "The effect of reinsuring a deductible on pharmaceutical spending: A Dutch case study on low-income people," Health Policy, Elsevier, vol. 123(10), pages 976-981.
    • Handle: RePEc:eee:hepoli:v:123:y:2019:i:10:p:976-981
    DOI: 10.1016/j.healthpol.2019.07.004
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    References listed on IDEAS

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    More about this item

    Keywords

    Health insurance; Deductible; Reinsurance of consumer cost sharing; Pharmaceutical spending; Low-income people;
    All these keywords.

    JEL classification:

    • I12 - Health, Education, and Welfare - - Health - - - Health Behavior
    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private
    • C23 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Models with Panel Data; Spatio-temporal Models
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis

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