The paper seeks to analyse the evolution of expenditure on private health insurance (PHI) in Spain. We consider the factors that influence PHI demand and level of spending before and during the economic recession, along with identifying the effect of the recession on these factors. The data is obtained from the Spanish Family Budget Survey (SFBS) for 2006 and 2012. Due to the data structure and the demand function, the analysis is performed using a sample selection model in order to avoid sample selection bias. We estimate three models: a pre-recession model (2006), a model for the recession period (2012) and a third one covering both periods (2006 and 2012) and where we include a dummy variable that establishes the effect of the economic recession. The results show that the effect of the economic recession on PHI demand is not significant, but it is on the level of spending.

中文翻译：

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经济衰退对西班牙私人健康保险支出的影响。

本文旨在分析西班牙私人健康保险（PHI）支出的演变。我们考虑了在经济衰退之前和期间影响PHI需求和支出水平的因素，并确定了衰退对这些因素的影响。数据来自2006年和2012年西班牙家庭预算调查（SFBS）。由于数据结构和需求函数，使用样本选择模型进行分析，以避免样本选择偏差。我们估算了三种模型：衰退前的模型（2006年），衰退期的模型（2012年）和涵盖两个时期（2006年和2012年）的第三种模型，其中包括一个虚拟变量，该变量确定了经济衰退的影响。结果表明，经济衰退对PHI需求的影响不显着，