Effects of cost sharing in health insurance on disability days

UMMS Affiliation

Department of Quantitative Health Sciences

Publication Date


Document Type



*Absenteeism; Deductibles and Coinsurance; *Disability Evaluation; *Family Health; Health Services Research; Health Status; Income; Insurance, Health; Questionnaires; United States


Biostatistics | Epidemiology | Health Services Research


We assess how cost sharing for medical services affects restricted activity days (RADs) and work loss disability days (WLDs), using data from a controlled experiment. We grouped the experimental insurance plans into four categories, one providing free care and the other three requiring varying amounts of cost sharing. RADs per person per year decreased by one to two days with greater cost sharing, with the strongest effects among those of average or poor health status, especially the non-poor. Unlike RADs, WLDs showed no systematic differences by plan.

Rights and Permissions

Citation: Health Policy. 1991 Jul;18(2):131-9. Link to article on publisher's site

Journal/Book/Conference Title

Health policy (Amsterdam, Netherlands)

PubMed ID


Related Resources

Link to Article in PubMed