在竞争激烈的医疗保险市场中,最低的慷慨水平
Minke Remmerswaal1, Jan Boone2, Rudy Douven3
1CPB Netherlands Bureau for Economic Policy Analysis, The Hague, The Netherlands; Department of Economics, Tilec, Tilburg University, The Netherlands.
Journal of health economics
|July 1, 2023
概括
最佳的医疗保险需要与需求弹性相反的覆盖范围. 在荷兰,自愿扣除失败了,创造了从高风险到低风险个人的交叉补贴,这表明限制扣除可能会提高福利.
科学领域:
- 卫生经济学 卫生经济学
- 保险市场 保险市场 保险市场
- 公共政策 公共政策
背景情况:
- 最佳的医疗保险设计取决于保险范围和需求弹性之间的关系.
- 荷兰的自愿扣除额,以及强制扣除额的补充,被检查了它们的经济影响.
- 之前的研究还没有充分探讨这些特定的自愿扣除计划对公平性和效率的影响.
研究的目的:
- 评估荷兰的自愿扣除额是否符合最佳医疗保险需求反弹性的条件.
- 识别因使用自愿扣除率而产生的股权后果,特别是交叉补贴.
- 评估限制自愿扣除的潜在福利改善.
主要方法:
- 对荷兰的医疗保险选择进行计量经济学分析.
- 模拟不同风险组 (低风险与高风险类型) 的需求弹性.
- 模拟政策干预,例如限制自愿扣除水平.
主要成果:
- 荷兰的自愿扣除率没有满足反向需求弹性的条件.
- 低风险个人,主要选择自愿扣除,表现出较低的需求弹性比高风险个人.
- 自愿扣除导致高风险个人向低风险个人提供大量交叉补贴,这引发了股权方面的担忧.
结论:
- 荷兰医疗保险市场的自愿扣除率造成了效率低下和公平性问题.
- 限制自愿扣除的水平,从而确保最小的慷慨,可能会提高整体福利.
- 建议采取政策干预措施,以减轻当前自愿扣除结构的不利影响.
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