NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

What Does a Deductible Do? The Impact of Cost-Sharing on Health Care Prices, Quantities, and Spending Dynamics

Zarek C. Brot-Goldberg, Amitabh Chandra, Benjamin R. Handel, Jonathan T. Kolstad

NBER Working Paper No. 21632
Issued in October 2015, Revised in November 2015

---- Acknowledgements ----

We thank Eva Lyubich and Ishita Chordia for excellent research assistance. We thank Martin Gaynor and Gautam Gowrisankaran for insightful discussions. We thank seminar participants for their comments provided at Analysis Group, Chicago Harris, Chicago Booth, Erasmus, Georgia State, Harvard, Microsoft Research, Lund University, NBER Insurance, NBER Health Care, North Carolina, Notre Dame, Ohio State, Penn State, Queens University, Southern Denmark University, Texas A & M, UCLA, UCSD, Universidad de Los Andes and the University of British Columbia. We thank Microsoft Research for their support of this work. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

---- Disclosure of Financial Relationships for Benjamin R. Handel ----

Benjamin Handel has a financial interest in Picwell Inc., an online insurance decision-support tool.

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