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A.J. Phipps ABS Health Insurance actuarial fair premium AGPS April Australian Bureau Australian Economic Papers basic table cover basic table premiums bed-day fees bed-day subsidy budget Bureau of Statistics chronically ill Cointegration Commonwealth community rating principle Consumer Surplus coverage and numbers D.J. Wright December decline in coverage Demand for Health downward trend Economic Record factors free public hospital Government Health Policy health costs Health Insurance Survey hospital cover hospital services I.G. Sharpe in-hospital medical services income insurance in Australia insurance premiums Insurance Survey Australia insured persons insured population John Logan July June Karfakis Keynesian Law of Demand main hypothesis March Medibank Medicare million numbers of contributors out-of-pocket expense outcome P.D. Groenewegen PHIAC private health insurance private insurance private patients real premiums risk Self-Destruction of Private September quarter subsidy paid tax rebate taxpayers trend in coverage trends in numbers U.R. Kohli University of Sydney V.B. Hall Volker W.J. Merrilees