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Related Concept Videos

Introduction To Health Care Delivery System01:18

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Do Prices Matter for Healthcare Accessibility? Evidence From a Means-Tested Complementary Health Insurance in France.

Benoît Carré1,2,3, Florence Jusot1,4, Jérôme Wittwer5

  • 1Université Paris-Dauphine, PSL Research University, Leda-Legos, Paris, France.

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Summary

The Couverture Maladie Universelle Complémentaire (CMU-C) in France significantly boosts healthcare use, especially for the previously uninsured. These positive impacts on health service utilization persist throughout the coverage period.

Keywords:
complementary health insurancedifference in differencepanel datapoverty

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Area of Science:

  • Health Economics
  • Public Health Policy
  • Healthcare Access Research

Background:

  • The Couverture Maladie Universelle Complémentaire (CMU-C) is a French state-financed health insurance program.
  • Understanding the impact of such programs on healthcare utilization is crucial for policy evaluation.

Purpose of the Study:

  • To estimate the causal effect of CMU-C enrollment on healthcare utilization.
  • To identify which populations benefit most from this complementary health insurance.

Main Methods:

  • Utilized administrative claims data from France.
  • Employed a staggered difference-in-differences approach.
  • Addressed selection bias using family-level health shocks to exogenize enrollment.

Main Results:

  • CMU-C enrollment significantly increases healthcare utilization across intensive and extensive margins.
  • The primary beneficiaries are individuals previously uninsured.
  • Significant gains observed for individuals with severe or chronic illnesses.

Conclusions:

  • Free healthcare access via CMU-C demonstrably enhances healthcare utilization.
  • The program provides substantial benefits, particularly for vulnerable populations and those with chronic conditions.
  • The positive effects of CMU-C coverage are sustained over time.