{"id":"https://openalex.org/W2066520189","doi":"https://doi.org/10.1002/hec.1267","title":"Healthy, wealthy and insured? The role of self\u2010assessed health in the demand for private health insurance","display_name":"Healthy, wealthy and insured? The role of self\u2010assessed health in the demand for private health insurance","publication_year":2007,"publication_date":"2007-07-10","ids":{"openalex":"https://openalex.org/W2066520189","doi":"https://doi.org/10.1002/hec.1267","mag":"2066520189","pmid":"https://pubmed.ncbi.nlm.nih.gov/17623485"},"language":"en","primary_location":{"id":"doi:10.1002/hec.1267","doi":"https://doi.org/10.1002/hec.1267","is_oa":false,"landing_page_url":"https://doi.org/10.1002/hec.1267","pdf_url":null,"source":{"id":"https://openalex.org/S145200904","display_name":"Health Economics","issn_l":"1057-9230","issn":["1057-9230","1099-1050"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a-star","anvur-class-a","anvur-scientific","cwts-core","dongbi-b","doyens","fnege-2","jufo-2","ki-jl-2","medline","norway-2","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Health Economics","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref","pubmed"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5005591120","display_name":"Denise Doiron","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I31746571","display_name":"UNSW Sydney","ror":"https://ror.org/03r8z3t63","country_code":"AU","type":"education","lineage":["https://openalex.org/I31746571"]}],"countries":["AU"],"is_corresponding":false,"raw_author_name":"Denise Doiron","raw_affiliation_strings":["School of Economics, University of New South Wales, Sydney, NSW, Australia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Economics, University of New South Wales, Sydney, NSW, Australia","institution_ids":["https://openalex.org/I31746571"]}]},{"author_position":"middle","author":{"id":null,"display_name":"Glenn Jones","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I99043593","display_name":"Macquarie University","ror":"https://ror.org/01sf06y89","country_code":"AU","type":"education","lineage":["https://openalex.org/I99043593"]}],"countries":["AU"],"is_corresponding":false,"raw_author_name":"Glenn Jones","raw_affiliation_strings":["Department of Economics, Macquarie University, Sydney, NSW, Australia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Economics, Macquarie University, Sydney, NSW, Australia","institution_ids":["https://openalex.org/I99043593"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5024260141","display_name":"Elizabeth Savage","orcid":"https://orcid.org/0000-0002-2690-3975","observed_orcids":["https://orcid.org/0000-0002-2690-3975"]},"institutions":[{"id":"https://openalex.org/I114017466","display_name":"University of Technology Sydney","ror":"https://ror.org/03f0f6041","country_code":"AU","type":"education","lineage":["https://openalex.org/I114017466"]}],"countries":["AU"],"is_corresponding":true,"raw_author_name":"Elizabeth Savage","raw_affiliation_strings":["Centre for Health Economics Research and Evaluation, University of Technology, Sydney, Australia","Centre for Health Economics Research & Evaluation, University of Technology, Sydney, Australia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Centre for Health Economics Research and Evaluation, University of Technology, Sydney, Australia","institution_ids":["https://openalex.org/I114017466"]},{"raw_affiliation_string":"Centre for Health Economics Research & Evaluation, University of Technology, Sydney, Australia","institution_ids":["https://openalex.org/I114017466"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5024260141"],"corresponding_institution_ids":["https://openalex.org/I114017466"],"apc_list":{"value":4050,"currency":"USD","value_usd":4050},"apc_paid":null,"fwci":16.1864,"has_fulltext":false,"cited_by_count":165,"citation_normalized_percentile":{"value":0.98742896,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":98,"max":100},"biblio":{"volume":"17","issue":"3","first_page":"317","last_page":"334"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10391","display_name":"Healthcare Policy and Management","score":0.8955000042915344,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10391","display_name":"Healthcare Policy and Management","score":0.8955000042915344,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11531","display_name":"Healthcare Systems and Reforms","score":0.07810000330209732,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12394","display_name":"Insurance and Financial Risk Management","score":0.01590000092983246,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/self-rated-health","display_name":"self-rated health","score":0.8640000224113464},{"id":"https://openalex.org/keywords/private-health-insurance","display_name":"private health insurance","score":0.9660000205039978},{"id":"https://openalex.org/keywords/adverse-selection","display_name":"adverse selection","score":0.843999981880188},{"id":"https://openalex.org/keywords/moral-hazard","display_name":"moral hazard","score":0.9729999899864197},{"id":"https://openalex.org/keywords/information-asymmetry","display_name":"information asymmetry","score":0.7710000276565552},{"id":"https://openalex.org/keywords/health-risks","display_name":"health risks","score":0.6370000243186951},{"id":"https://openalex.org/keywords/risk-preferences","display_name":"risk preferences","score":0.6119999885559082},{"id":"https://openalex.org/keywords/risk-taking","display_name":"risk-taking","score":0.8339999914169312},{"id":"https://openalex.org/keywords/health-care-costs","display_name":"health care costs","score":0.6320000290870667}],"concepts":[{"id":"https://openalex.org/C2983635472","wikidata":"https://www.wikidata.org/wiki/Q334911","display_name":"Health insurance","level":3,"score":0.6131693720817566},{"id":"https://openalex.org/C102139631","wikidata":"https://www.wikidata.org/wiki/Q4406896","display_name":"Self-insurance","level":4,"score":0.5501469373703003},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.5273493528366089},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5259979963302612},{"id":"https://openalex.org/C524218345","wikidata":"https://www.wikidata.org/wiki/Q31218","display_name":"Health economics","level":3,"score":0.4430440366268158},{"id":"https://openalex.org/C100001284","wikidata":"https://www.wikidata.org/wiki/Q2248246","display_name":"Public economics","level":1,"score":0.3772619366645813},{"id":"https://openalex.org/C99454951","wikidata":"https://www.wikidata.org/wiki/Q932068","display_name":"Environmental health","level":1,"score":0.36928820610046387},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.32294726371765137},{"id":"https://openalex.org/C71924100","wikidata":"https://www.wikidata.org/wiki/Q11190","display_name":"Medicine","level":0,"score":0.26650792360305786},{"id":"https://openalex.org/C160735492","wikidata":"https://www.wikidata.org/wiki/Q31207","display_name":"Health care","level":2,"score":0.2211001217365265},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.20845875144004822}],"mesh":[{"descriptor_ui":"D000328","descriptor_name":"Adult","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D000328","descriptor_name":"Adult","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D000328","descriptor_name":"Adult","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D000368","descriptor_name":"Aged","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D000368","descriptor_name":"Aged","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D000368","descriptor_name":"Aged","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D001315","descriptor_name":"Australia","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D001315","descriptor_name":"Australia","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D001315","descriptor_name":"Australia","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D005382","descriptor_name":"Financing, Personal","qualifier_ui":"Q000191","qualifier_name":"economics","is_major_topic":false},{"descriptor_ui":"D005382","descriptor_name":"Financing, Personal","qualifier_ui":"Q000191","qualifier_name":"economics","is_major_topic":false},{"descriptor_ui":"D005382","descriptor_name":"Financing, Personal","qualifier_ui":"Q000191","qualifier_name":"economics","is_major_topic":false},{"descriptor_ui":"D006306","descriptor_name":"Health Surveys","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D006306","descriptor_name":"Health Surveys","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D006306","descriptor_name":"Health Surveys","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D006801","descriptor_name":"Humans","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D006801","descriptor_name":"Humans","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D006801","descriptor_name":"Humans","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D007354","descriptor_name":"Insurance, Major Medical","qualifier_ui":"Q000191","qualifier_name":"economics","is_major_topic":false},{"descriptor_ui":"D007354","descriptor_name":"Insurance, Major Medical","qualifier_ui":"Q000191","qualifier_name":"economics","is_major_topic":false},{"descriptor_ui":"D007354","descriptor_name":"Insurance, Major Medical","qualifier_ui":"Q000191","qualifier_name":"economics","is_major_topic":false},{"descriptor_ui":"D008875","descriptor_name":"Middle Aged","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D008875","descriptor_name":"Middle Aged","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D008875","descriptor_name":"Middle Aged","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D012306","descriptor_name":"Risk","qualifier_ui":null,"qualifier_name":null,"is_major_topic":true},{"descriptor_ui":"D012306","descriptor_name":"Risk","qualifier_ui":null,"qualifier_name":null,"is_major_topic":true},{"descriptor_ui":"D012306","descriptor_name":"Risk","qualifier_ui":null,"qualifier_name":null,"is_major_topic":true},{"descriptor_ui":"D012923","descriptor_name":"Social Class","qualifier_ui":null,"qualifier_name":null,"is_major_topic":true},{"descriptor_ui":"D012923","descriptor_name":"Social Class","qualifier_ui":null,"qualifier_name":null,"is_major_topic":true},{"descriptor_ui":"D012923","descriptor_name":"Social Class","qualifier_ui":null,"qualifier_name":null,"is_major_topic":true},{"descriptor_ui":"D017057","descriptor_name":"Medically Uninsured","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D017057","descriptor_name":"Medically Uninsured","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D017057","descriptor_name":"Medically Uninsured","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D017059","descriptor_name":"Models, Econometric","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D017059","descriptor_name":"Models, Econometric","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D017059","descriptor_name":"Models, Econometric","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D017149","descriptor_name":"Private Sector","qualifier_ui":null,"qualifier_name":null,"is_major_topic":true},{"descriptor_ui":"D017149","descriptor_name":"Private Sector","qualifier_ui":null,"qualifier_name":null,"is_major_topic":true},{"descriptor_ui":"D017149","descriptor_name":"Private Sector","qualifier_ui":null,"qualifier_name":null,"is_major_topic":true},{"descriptor_ui":"D040242","descriptor_name":"Risk Reduction Behavior","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D040242","descriptor_name":"Risk Reduction Behavior","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D040242","descriptor_name":"Risk Reduction Behavior","qualifier_ui":null,"qualifier_name":null,"is_major_topic":false},{"descriptor_ui":"D054625","descriptor_name":"Healthcare Disparities","qualifier_ui":"Q000191","qualifier_name":"economics","is_major_topic":false},{"descriptor_ui":"D054625","descriptor_name":"Healthcare Disparities","qualifier_ui":"Q000191","qualifier_name":"economics","is_major_topic":false},{"descriptor_ui":"D054625","descriptor_name":"Healthcare Disparities","qualifier_ui":"Q000191","qualifier_name":"economics","is_major_topic":false}],"locations_count":3,"locations":[{"id":"doi:10.1002/hec.1267","doi":"https://doi.org/10.1002/hec.1267","is_oa":false,"landing_page_url":"https://doi.org/10.1002/hec.1267","pdf_url":null,"source":{"id":"https://openalex.org/S145200904","display_name":"Health Economics","issn_l":"1057-9230","issn":["1057-9230","1099-1050"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a-star","anvur-class-a","anvur-scientific","cwts-core","dongbi-b","doyens","fnege-2","jufo-2","ki-jl-2","medline","norway-2","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320595","host_organization_name":"Wiley","host_organization_lineage":["https://openalex.org/P4310320595"],"host_organization_lineage_names":["Wiley"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Health Economics","raw_type":"journal-article"},{"id":"pmid:17623485","doi":null,"is_oa":false,"landing_page_url":"https://pubmed.ncbi.nlm.nih.gov/17623485","pdf_url":null,"source":{"id":"https://openalex.org/S4306525036","display_name":"PubMed","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1299303238","host_organization_name":"National Institutes of Health","host_organization_lineage":["https://openalex.org/I1299303238"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Health economics","raw_type":"Journal Article"},{"id":"pmh:oai:opus.lib.uts.edu.au:10453/9988","doi":null,"is_oa":false,"landing_page_url":"http://hdl.handle.net/10453/9988","pdf_url":null,"source":{"id":"https://openalex.org/S4306401357","display_name":"UTS ePRESS (University of Technology Sydney)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I114017466","host_organization_name":"University of Technology Sydney","host_organization_lineage":["https://openalex.org/I114017466"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Journal Article"}],"best_oa_location":null,"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/3","display_name":"Good health and well-being","score":0.8048999905586243}],"sustainable_development_goals_aurora":[],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[{"id":"https://openalex.org/F4320334705","display_name":"National Health and Medical Research Council","ror":"https://ror.org/011kf5r70"}],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":43,"referenced_works":["https://openalex.org/W79948616","https://openalex.org/W1210092515","https://openalex.org/W1486085490","https://openalex.org/W1491447662","https://openalex.org/W1552410490","https://openalex.org/W1571322359","https://openalex.org/W1603335199","https://openalex.org/W1969430117","https://openalex.org/W1996823741","https://openalex.org/W2002632416","https://openalex.org/W2029187672","https://openalex.org/W2035833181","https://openalex.org/W2049063060","https://openalex.org/W2050829512","https://openalex.org/W2058711222","https://openalex.org/W2068948979","https://openalex.org/W2069281249","https://openalex.org/W2102155487","https://openalex.org/W2113722078","https://openalex.org/W2119019287","https://openalex.org/W2121034459","https://openalex.org/W2127259632","https://openalex.org/W2128851100","https://openalex.org/W2129885496","https://openalex.org/W2132942366","https://openalex.org/W2137296414","https://openalex.org/W2139545718","https://openalex.org/W2150938125","https://openalex.org/W2152666807","https://openalex.org/W2167743460","https://openalex.org/W2171797942","https://openalex.org/W2224876874","https://openalex.org/W2255447337","https://openalex.org/W2740105960","https://openalex.org/W2890953117","https://openalex.org/W2891544515","https://openalex.org/W3022196478","https://openalex.org/W3025351231","https://openalex.org/W3122059466","https://openalex.org/W3122629528","https://openalex.org/W3123792542","https://openalex.org/W3124643791","https://openalex.org/W6603232521"],"related_works":["https://openalex.org/W1574639968","https://openalex.org/W2047112006","https://openalex.org/W2978637391","https://openalex.org/W1980628051","https://openalex.org/W2096891643","https://openalex.org/W3121687539","https://openalex.org/W2994963011","https://openalex.org/W3186983220","https://openalex.org/W3116845500","https://openalex.org/W2993343314"],"abstract_inverted_index":{"Both":[0],"adverse":[1,112],"selection":[2,113],"and":[3,13,42,79,87,104,168],"moral":[4],"hazard":[5],"models":[6],"predict":[7],"a":[8,28,72],"positive":[9,74],"relationship":[10,37,109],"between":[11,38,76],"risk":[12,41,139],"insurance;":[14],"yet":[15],"the":[16,36,53,57,85,98,106,127],"most":[17,67],"common":[18],"finding":[19],"in":[20,66,143,156,165],"empirical":[21],"studies":[22],"of":[23,27,52,59,119,140],"insurance":[24,45],"is":[25],"that":[26,129,151],"negative":[29,108],"correlation.":[30],"In":[31],"this":[32,102],"paper,":[33],"we":[34,96,149],"investigate":[35],"ex":[39],"ante":[40],"private":[43,80],"health":[44,78,81,131,141,167],"using":[46,115],"Australian":[47,54],"data.":[48],"The":[49],"institutional":[50],"features":[51],"system":[55],"make":[56],"effects":[58],"asymmetric":[60],"information":[61],"more":[62,116],"readily":[63],"identifiable":[64],"than":[65],"other":[68],"countries.":[69],"We":[70],"find":[71,150],"strong":[73],"association":[75],"self-assessed":[77,130],"cover.":[82],"By":[83],"applying":[84],"Lokshin":[86],"Ravallion":[88],"(J.":[89],"Econ.":[90],"Behav.":[91],"Organ":[92],"2005;":[93],"56:141-172)":[94],"technique":[95],"identify":[97],"factors":[99],"responsible":[100],"for":[101,126],"result":[103],"recover":[105],"conventional":[107],"predicted":[110],"by":[111],"when":[114],"objective":[117],"indicators":[118],"health.":[120],"Our":[121],"results":[122],"also":[123],"provide":[124],"support":[125],"hypothesis":[128],"captures":[132],"individual":[133],"traits":[134],"not":[135],"necessarily":[136],"related":[137],"to":[138,163,171],"expenditures,":[142],"particular,":[144],"attitudes":[145],"towards":[146],"risk.":[147],"Specifically,":[148],"those":[152],"persons":[153],"who":[154],"engage":[155],"risk-taking":[157],"behaviours":[158],"are":[159],"simultaneously":[160],"less":[161,169],"likely":[162,170],"be":[164],"good":[166],"buy":[172],"insurance.":[173]},"counts_by_year":[{"year":2026,"cited_by_count":5},{"year":2025,"cited_by_count":6},{"year":2024,"cited_by_count":6},{"year":2023,"cited_by_count":8},{"year":2022,"cited_by_count":7},{"year":2021,"cited_by_count":14},{"year":2020,"cited_by_count":23},{"year":2019,"cited_by_count":7},{"year":2018,"cited_by_count":9},{"year":2017,"cited_by_count":7},{"year":2016,"cited_by_count":7},{"year":2015,"cited_by_count":10},{"year":2014,"cited_by_count":11},{"year":2013,"cited_by_count":5},{"year":2012,"cited_by_count":10}],"updated_date":"2026-10-14T16:39:01.820549","created_date":"2016-06-24T00:00:00"}
