主讲人Speaker:易君健 特聘教授 北京大学

时间Date & Time:2025年1月14日（周二），上午10:30--12:00

地点Venue:粤海校区汇星楼565会议室

内容简介/ Abstract:

A marked feature of health insurance plan choice is inconsistent choices through the overweighting of premiums relative to out-of-pocket spending. We show that this source of inconsistency disappears when both types of spending come from the same source of designated funds. We focus on the MediSave program in Singapore, whereby residents can pay their health insurance premiums with cash or MediSave funds, but are subject to limits that vary by age and over time. By exploiting variations in those limits, we consistently find that when individuals are able to pay their health insurance premiums with MediSave funds, they are less price sensitive and more willing to enroll in more generous plans—which results in lower spending levels and variance, and lower adverse selection in the market. The results suggest a strong role for mental accounting in insurance decisions.

主讲人介绍/Biography of the speaker：

易君健，北京大学博雅特聘教授，北大国发院经济学教授，同时担任《经济学》（季刊）执行主编和Journal of Comparative Economics副主编。他的研究兴趣主要集中于医疗与健康经济学、医疗与健康大数据分析、人工智能经济学、人力资本理论、劳动和人口经济学、发展经济学、计量经济学和行为经济学。他的科研成果先后发表于经济学、管理学、人口学、公共卫生等领域内的国际顶级学术期刊，包括Journal of Political Economy、Review of Economic Studies、Management Science、Demography、Lancet和Proceedings of National Academy of Science等。

当天下午将开展学术交流活动，欢迎感兴趣的老师和同学参加！