Social and Behavioral Sciences Commons^™

Insurance Choice And The Demand For Prescription Drugs Among Individuals With Chronic Conditions, Chunyang Feng

Wayne State University Dissertations

This study explores insurance choice of the chronically ill non-elderly adults and their utilization and expenditures on prescription drugs. Discrete factor model is used to estimate an individual's probability of any drug use and the conditional level of utilization and associated out-of-pocket expenditures. Analyses on four subpopulation groups, i.e. hypertension, diabetes, asthma and depression, provide detailed insights into individuals' health insurance decision making and subsequent prescription drug filling behavior, given their health insurance status. The results indicate that only a few health risk factors are statistically significant in determining an individual's health insurance status, and that the direction of the …