NOVA SBE HEALTH ECONOMICS & MANAGEMENT SEMINAR SERIES – 26TH MARCH 2026
Thursday 26 March 2026
Starts 11:00 AM
Finishes 12:30 PM
Organized by Nova SBE - Health Economics & Management KC
Venue: Nova School of Business and Economics
Address: 1 Rua da Holanda
Carcavelos
2775-405 Lisboa
About this event
In this month’s edition, we welcome Matilde Cappelletti, who will present her latest research
NOVA SBE Health Economics & Management Seminar Series – 26th March 2026
In this month’s edition of the NOVA SBE Health Economics & Management Seminar Series, we welcome Matilde Cappelletti, who will present her latest research on the role of ex ante moral hazard in health insurance, examining whether lower out of pocket costs can influence health related behaviours among individuals with diabetes.
📅 Date: 26th March 2026
⏰ Time: 11am – 12:30 pm (Lisbon Time)
📍 Location: Nova SBE | Room B005
Title:
Uncovering the Role of Moral Hazard in Health Insurance
ABSTRACT:
This paper investigates whether there is evidence of ex-ante moral hazard in health insurance—i.e., whether lower out-of-pocket costs lead to risky health behaviors.
Understanding the role of ex-ante moral hazard is crucial, given that it can contribute to preventable health issues. I leverage the staggered rollout of U.S. state policies lowering insulin out-of-pocket costs and focus on privately insured households with diabetes. Using household-level grocery purchase data, I find that reduced insulin out-of-pocket costs result in increased purchases of sugar, a nutrient closely tied to insulin needs and linked to long-term health risks.
Sales of diabetes supplies also rise, highlighting a shift from lifestyle management to treatment.
Short Biography:
Matilde Cappelletti is an Assistant Professor at ISEG – Lisbon School of Economics & Management. She is affiliated with ISEG Research and ZEW Mannheim.
She holds a PhD in Economics from the University of Mannheim, Germany. Her research focuses on health economics, public economics, and industrial organization.
This page last updated Thursday 12 March 2026 at 01:38.
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