Corpus ID: 166665537

Where do you run after you run for cover? The impact on premium changes on the characteristics of the privately insured in Australia

@inproceedings{Ellis2005WhereDY,
  title={Where do you run after you run for cover? The impact on premium changes on the characteristics of the privately insured in Australia},
  author={R. Ellis and E. Savage},
  year={2005}
}
We develop and estimate a model of individual decisions to enrol in private health insurance in Australia in order to understand the effect of three specific government programs that changed the structure of premiums facing consumers. The three reforms encompass incomebased subsidies to purchasing health insurance, an across-the-board 30% reduction in premiums, and a selective age-based increase in premiums for new entrants. Our model of the timing of the insurance choice enables us to… Expand

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