Abstract:
:In this paper, we present a simple model of health insurance with asymmetric information, where we compare two alternative ways of organizing the insurance market. Either as a competitive insurance market, where some risks remain uninsured, or as a compulsory scheme, where however, the level of reimbursement of loss is to be determined by majority decision. In a simple welfare comparison, the compulsory scheme may in certain environments yield a solution which is inferior to that obtained in the market. We further consider the situation where the compulsory scheme may be supplemented by voluntary competitive insurance; this situation turns out to be at least as good as either of the alternatives.
journal_name
J Health Econjournal_title
Journal of health economicsauthors
Hansen BO,Keiding Hdoi
10.1016/s0167-6296(02)00062-0subject
Has Abstractpub_date
2002-09-01 00:00:00pages
739-56issue
5eissn
0167-6296issn
1879-1646pii
S0167-6296(02)00062-0journal_volume
21pub_type
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journal_title:Journal of health economics
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journal_title:Journal of health economics
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doi:10.1016/j.jhealeco.2003.08.006
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journal_title:Journal of health economics
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journal_title:Journal of health economics
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journal_title:Journal of health economics
pub_type: 评论,杂志文章
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更新日期:2007-03-01 00:00:00
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journal_title:Journal of health economics
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