  Selection on moral hazard represents the tendency to select a specific health
insurance coverage depending on the heterogeneity in utilisation ''slopes''. I
use data from the Swiss Household Panel and from publicly available regulatory
data to explore the extent of selection on slopes in the Swiss managed
competition system. I estimate responses in terms of (log) doctor visits to
lowest and highest deductible levels using Roy-type models, identifying
marginal treatment effects with local instrumental variables. The response to
high coverage plans (i.e. plans with the lowest deductible level) among high
moral hazard types is 25-35 percent higher than average.
