Employer-sponsored health insurance: low premiums, low savings

Rabbani, A. & Sarker, M. (2017). Employer-sponsored health insurance: low premiums, low savings.
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We study the impacts of an employer-sponsored health insurance policy giving modest coverage for in-patient hospitalisation in Bangladesh. There are no evident out-of-pocket cost savings, but there are changes in health care seeking behaviour consistent with the incentives of the programme. Higher premiums for broader coverage may realise higher savings.

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