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Private health insurance incentives in Australia: The effects of recent changes to price carrots and income sticks

Robson, Alex; Paolucci, Francesco


Three major policy tools govern the demand for private health insurance (PHI) in Australia: premium-related subsidies (i.e. PHI-rebate); income tax surcharges (i.e. the Medicare Levy Surcharge (MLS)); and lifetime community-rating (i.e. Lifetime Health Cover). The first two provide a system of carrots and sticks to create incentives for increasing the demand for PHI. The third creates incentives for consumers to purchase PHI earlier than they otherwise would have, and to maintain this coverage...[Show more]

CollectionsANU Research Publications
Date published: 2012
Type: Journal article
Source: The Geneva Papers on Risk and Insurance - Issues and Practice
DOI: 10.1057/gpp.2012.38


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