Can anyone help me to find how to measure the health insurance policy holders behaviour?  What are the determinant factors for purchasing or not purchasing the health insurance?  How to involve Heuristics, Endowment effect, loss aversion ,prospect theory, satisficing  and strategic thinking as a construct  for preparing the questionnaire? What are the other constructs or variables available for measuring the behaviour of health insurance policy holders. Whether is it  possible to apply agent based modeling  for knowing about behaviour and goal of agent.Please suggest some variables?

Thank You.