Replication data for: Selection on Moral Hazard in Health Insurance

Liran Einav, Mark R. Cullen, Paul Schrimpf, Stephen P. Ryan & Amy Finkelstein
We use employee-level panel data from a single firm to explore the possibility that individuals may select insurance coverage in part based on their anticipated behavioral (\"moral hazard\") response to insurance, a phenomenon we label \"selection on moral hazard.\" Using a model of plan choice and medical utilization, we present evidence of heterogenous moral hazard as well as selection on it, and explore some of its implications. For example, we show that, at least in...
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