Switching benefits and costs in competitive health insurance markets: A conceptual framework and empirical evidence from the Netherlands

Highlights • Consumers mainly switched insurer because of (1) price and (2) benefits of supplementary insurance. • ‘Benefit loss’ costs were the main switching costs in the Netherlands. • Switching costs restricted consumer choice of unhealthy consumers. • Insurers have reduced incentives to act as...

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Bibliographic Details
Published inHealth policy (Amsterdam) Vol. 119; no. 5; pp. 664 - 671
Main Authors Duijmelinck, Daniëlle M.I.D, Mosca, Ilaria, van de Ven, Wynand P.M.M
Format Journal Article
LanguageEnglish
Published Ireland Elsevier Ireland Ltd 01.05.2015
Subjects
Adolescent
Adult
Aged
Aged, 80 and over
Benefits
Choice Behavior
Classification
Competitive insurance market
Consumer Behavior
Consumer preferences
Consumers
Cost
Cost Control - economics
Cost-Benefit Analysis
Economic Competition - economics
Female
Gifts
Health administration
Health economics
Health insurance
Health policy
Humans
Insurance Carriers - economics
Insurance, Health - economics
Internal Medicine
Male
Markets
Middle Aged
Netherlands
Prices
Switching behaviour
Switching benefits
Switching costs
Young Adult
I18
Health insurance
Switching costs
D12
Switching benefits
G22
I11
Competitive insurance market
Switching behaviour
I13
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Summary:Highlights • Consumers mainly switched insurer because of (1) price and (2) benefits of supplementary insurance. • ‘Benefit loss’ costs were the main switching costs in the Netherlands. • Switching costs restricted consumer choice of unhealthy consumers. • Insurers have reduced incentives to act as quality-conscious purchasers of care.
Bibliography:ObjectType-Article-1
SourceType-Scholarly Journals-1
ObjectType-Feature-2
content type line 23
ISSN:0168-8510
1872-6054
DOI:10.1016/j.healthpol.2014.11.015