{"id":"https://openalex.org/W2115434396","doi":null,"title":"Health Insurance and Life Style Choices: Identifying the Ex Ante Moral Hazard","display_name":"Health Insurance and Life Style Choices: Identifying the Ex Ante Moral Hazard","publication_year":2007,"publication_date":"2007-11-01","ids":{"openalex":"https://openalex.org/W2115434396","mag":"2115434396"},"language":"en","primary_location":{"id":"mag:2115434396","doi":null,"is_oa":false,"landing_page_url":"https://econpapers.repec.org/RePEc:irs:iriswp:2007-10","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"RePEc: Research Papers in Economics","raw_type":null},"volume":null,"type":"preprint","is_traditional":true,"indexed_in":[],"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/A5004334441","display_name":"Anderson Eduardo Stanciole","orcid":"https://orcid.org/0000-0002-4941-5886","observed_orcids":["https://orcid.org/0000-0002-4941-5886"]},"institutions":[{"id":"https://openalex.org/I52099693","display_name":"University of York","ror":"https://ror.org/04m01e293","country_code":"GB","type":"education","lineage":["https://openalex.org/I52099693"]}],"countries":["GB"],"is_corresponding":true,"raw_author_name":"Anderson Stanciole","raw_affiliation_strings":["University of York"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of York","institution_ids":["https://openalex.org/I52099693"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5004334441"],"corresponding_institution_ids":["https://openalex.org/I52099693"],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":25,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10391","display_name":"Healthcare Policy and Management","score":0.9717000126838684,"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":0.9717000126838684,"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/T12394","display_name":"Insurance and Financial Risk Management","score":0.011599999852478504,"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":0.004399999976158142,"subfield":{"id":"https://openalex.org/subfields/2739","display_name":"Public Health, Environmental and Occupational Health"},"field":{"id":"https://openalex.org/fields/27","display_name":"Medicine"},"domain":{"id":"https://openalex.org/domains/4","display_name":"Health Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/health-insurance","display_name":"health insurance","score":0.9599999785423279},{"id":"https://openalex.org/keywords/lifestyle-choices","display_name":"lifestyle choices","score":0.8299999833106995},{"id":"https://openalex.org/keywords/heavy-smoking","display_name":"heavy smoking","score":0.8529999852180481},{"id":"https://openalex.org/keywords/heavy-drinking","display_name":"heavy drinking","score":0.9639999866485596},{"id":"https://openalex.org/keywords/sedentary-behavior","display_name":"sedentary behavior","score":0.968999981880188},{"id":"https://openalex.org/keywords/obesity","display_name":"obesity","score":0.996999979019165},{"id":"https://openalex.org/keywords/health-financing-policy","display_name":"health financing policy","score":0.6259999871253967},{"id":"https://openalex.org/keywords/structural-model","display_name":"structural model","score":0.5109999775886536}],"concepts":[{"id":"https://openalex.org/C2780202544","wikidata":"https://www.wikidata.org/wiki/Q44454","display_name":"Moral hazard","level":3,"score":0.6775104403495789},{"id":"https://openalex.org/C122251271","wikidata":"https://www.wikidata.org/wiki/Q940039","display_name":"Ex-ante","level":2,"score":0.6462855935096741},{"id":"https://openalex.org/C29122968","wikidata":"https://www.wikidata.org/wiki/Q1414816","display_name":"Incentive","level":2,"score":0.6091263890266418},{"id":"https://openalex.org/C2776445246","wikidata":"https://www.wikidata.org/wiki/Q1792644","display_name":"Style (visual arts)","level":2,"score":0.5949950814247131},{"id":"https://openalex.org/C2983635472","wikidata":"https://www.wikidata.org/wiki/Q334911","display_name":"Health insurance","level":3,"score":0.5231831669807434},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.5197184085845947},{"id":"https://openalex.org/C50158540","wikidata":"https://www.wikidata.org/wiki/Q44454","display_name":"Morale hazard","level":5,"score":0.5009725093841553},{"id":"https://openalex.org/C49261128","wikidata":"https://www.wikidata.org/wiki/Q1132455","display_name":"Hazard","level":2,"score":0.4912843108177185},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.4420834183692932},{"id":"https://openalex.org/C3018122547","wikidata":"https://www.wikidata.org/wiki/Q5690813","display_name":"Health benefits","level":2,"score":0.4231509566307068},{"id":"https://openalex.org/C511355011","wikidata":"https://www.wikidata.org/wiki/Q12174","display_name":"Obesity","level":2,"score":0.4124395549297333},{"id":"https://openalex.org/C99454951","wikidata":"https://www.wikidata.org/wiki/Q932068","display_name":"Environmental health","level":1,"score":0.4077600836753845},{"id":"https://openalex.org/C4249254","wikidata":"https://www.wikidata.org/wiki/Q3044431","display_name":"Demographic economics","level":1,"score":0.37561455368995667},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.34449729323387146},{"id":"https://openalex.org/C100001284","wikidata":"https://www.wikidata.org/wiki/Q2248246","display_name":"Public economics","level":1,"score":0.34201934933662415},{"id":"https://openalex.org/C22738907","wikidata":"https://www.wikidata.org/wiki/Q3813256","display_name":"Casualty insurance","level":3,"score":0.1970091462135315},{"id":"https://openalex.org/C96535974","wikidata":"https://www.wikidata.org/wiki/Q1351914","display_name":"Risk pool","level":4,"score":0.19153329730033875},{"id":"https://openalex.org/C68799949","wikidata":"https://www.wikidata.org/wiki/Q977871","display_name":"Insurance policy","level":2,"score":0.17705756425857544},{"id":"https://openalex.org/C71924100","wikidata":"https://www.wikidata.org/wiki/Q11190","display_name":"Medicine","level":0,"score":0.17564022541046143},{"id":"https://openalex.org/C160735492","wikidata":"https://www.wikidata.org/wiki/Q31207","display_name":"Health care","level":2,"score":0.15275853872299194},{"id":"https://openalex.org/C175444787","wikidata":"https://www.wikidata.org/wiki/Q39072","display_name":"Microeconomics","level":1,"score":0.14873740077018738},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.13048163056373596},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.09126746654510498},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0},{"id":"https://openalex.org/C178790620","wikidata":"https://www.wikidata.org/wiki/Q11351","display_name":"Organic chemistry","level":1,"score":0.0},{"id":"https://openalex.org/C139719470","wikidata":"https://www.wikidata.org/wiki/Q39680","display_name":"Macroeconomics","level":1,"score":0.0},{"id":"https://openalex.org/C185592680","wikidata":"https://www.wikidata.org/wiki/Q2329","display_name":"Chemistry","level":0,"score":0.0},{"id":"https://openalex.org/C126322002","wikidata":"https://www.wikidata.org/wiki/Q11180","display_name":"Internal medicine","level":1,"score":0.0},{"id":"https://openalex.org/C556039675","wikidata":"https://www.wikidata.org/wiki/Q771035","display_name":"Traditional medicine","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"mag:2115434396","doi":null,"is_oa":false,"landing_page_url":"https://econpapers.repec.org/RePEc:irs:iriswp:2007-10","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"RePEc: Research Papers in Economics","raw_type":null}],"best_oa_location":null,"sustainable_development_goals":[{"display_name":"Good health and well-being","id":"https://metadata.un.org/sdg/3","score":0.6240000128746033}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":44,"referenced_works":["https://openalex.org/W140416901","https://openalex.org/W1507549819","https://openalex.org/W1509928529","https://openalex.org/W1551773293","https://openalex.org/W1920058173","https://openalex.org/W1967537161","https://openalex.org/W1973805835","https://openalex.org/W1976598038","https://openalex.org/W1978931956","https://openalex.org/W1996888198","https://openalex.org/W2020267861","https://openalex.org/W2024782144","https://openalex.org/W2033117749","https://openalex.org/W2033157676","https://openalex.org/W2035583741","https://openalex.org/W2044293638","https://openalex.org/W2076954430","https://openalex.org/W2100996118","https://openalex.org/W2107354131","https://openalex.org/W2110067617","https://openalex.org/W2112272159","https://openalex.org/W2116679311","https://openalex.org/W2117288055","https://openalex.org/W2118504405","https://openalex.org/W2122211941","https://openalex.org/W2132942366","https://openalex.org/W2136991761","https://openalex.org/W2138837459","https://openalex.org/W2146732240","https://openalex.org/W2147168960","https://openalex.org/W2149039461","https://openalex.org/W2150436099","https://openalex.org/W2151367993","https://openalex.org/W2152081677","https://openalex.org/W2156829178","https://openalex.org/W2162034183","https://openalex.org/W2165176570","https://openalex.org/W2889777752","https://openalex.org/W2890100955","https://openalex.org/W3022559301","https://openalex.org/W3121234917","https://openalex.org/W3122509358","https://openalex.org/W3123508679","https://openalex.org/W3123792542"],"related_works":["https://openalex.org/W7097093592","https://openalex.org/W1966924751","https://openalex.org/W7217229252","https://openalex.org/W2005117017","https://openalex.org/W4280523752","https://openalex.org/W4384626005","https://openalex.org/W2165458129","https://openalex.org/W1867627274","https://openalex.org/W4407905551","https://openalex.org/W2889946768"],"abstract_inverted_index":{"There":[0,85],"is":[1,86],"extensive":[2],"debate":[3],"in":[4],"the":[5,8,12,23,66,80,91,103],"literature":[6],"about":[7],"practical":[9],"significance":[10],"of":[11,14,32,35,93,105],"concept":[13],"ex-ante":[15],"moral":[16],"hazard.":[17],"This":[18],"paper":[19],"uses":[20],"data":[21],"from":[22],"1999-2003":[24],"PSID":[25],"waves":[26],"to":[27,68,82],"estimate":[28],"a":[29],"structural":[30],"model":[31],"individual":[33],"choice":[34],"insurance":[36,56,78],"coverage":[37],"and":[38,49,72],"four":[39],"life":[40,62],"style":[41,63],"related":[42],"decisions:":[43],"heavy":[44,46,69,83],"smoking,":[45,70],"drinking,":[47],"sedentarism":[48,71],"obesity.":[50,73],"The":[51,96],"results":[52,97],"show":[53],"that":[54],"health":[55,77,106],"has":[57],"significant":[58,88],"incentive":[59],"effects":[60],"on":[61],"choices,":[64],"increasing":[65],"propensity":[67,81],"Somewhat":[74],"surprisingly,":[75],"however,":[76],"decreases":[79],"drinking.":[84],"also":[87,99],"correlation":[89],"among":[90],"errors":[92],"each":[94],"equation.":[95],"might":[98],"have":[100],"implications":[101],"for":[102],"design":[104],"financing":[107],"policies.":[108]},"counts_by_year":[{"year":2024,"cited_by_count":1},{"year":2018,"cited_by_count":1},{"year":2016,"cited_by_count":1},{"year":2015,"cited_by_count":1},{"year":2014,"cited_by_count":1},{"year":2013,"cited_by_count":3},{"year":2012,"cited_by_count":2}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2016-06-24T00:00:00"}