Flores, G.

health household expenditure payment consumption health care income poverty threshold measure oop payments table effect health payments strategy distribution level insurance country impact hospital survey aversion 2008 john wiley estimate model expenditure risk borrowing saving treatment asset coverage sample probability spending nanced exposure source proportion india downside commune provider inpatient care indicator inpatient fi nanced risk measure loss aversion wealth utility health econ control risk aversion contracting philippine health insurance health shocks cambodia malaysia utilisation index world nance risk aversion parameter health insurance coverage value subsidy china university fi nance ratio financing finance downside risk measure analysis government subsidy scheme erasmus university rotterdam function health services