风险偏好超过健康:经验估计和对医疗决策的影响
Karen Mulligan1, Drishti Baid2, Jason N Doctor1
1Sol Price School of Public Policy, University of Southern California, Ralph and Goldy Lewis Hall 312, Los Angeles, CA, 90089, USA; Schaffer Center for Health Policy and Economics, University of Southern California, 635 Downey Way, Verna & Peter Dauterive Hall, Los Angeles, CA, 90089, USA.
Journal of health economics
|January 17, 2024
概括
消费者根据目前的健康状况对健康收益的价值有所不同,这挑战了标准的经济假设. 这项研究揭示了低健康水平的寻求风险的行为,随着健康状况的改善而转向风险厌恶.
科学领域:
- 卫生经济学 卫生经济学
- 决策理论 决策理论
- 行为经济学是一种行为经济学.
背景情况:
- 标准经济模型假设健康收益具有相同的价值,无论基线健康状况如何.
- 最近的研究和GRACE等理论表明,基线健康影响价值,特别是如果个人不是风险中立的.
- 经验证据质疑在健康环境中风险中立的预期效用最大化假设.
研究的目的:
- 在美国人口中实证估计与健康相关的生活质量 (HRQoL) 之间的效用.
- 测量有关健康状况的个人风险偏好.
- 探索非线性健康实用性对经济评估和决策的影响.
主要方法:
- 利用来自美国全国代表性人口样本的数据.
- 基于自我报告的HRQoL,估计的公用事业功能.
- 计算的风险偏好,包括相对风险厌恶系数.
主要成果:
- 个人在低健康水平时表现出寻求风险的行为.
- 风险厌恶在健康状况大约为0.485 (在0-1级) 时出现.
- 在完全健康的情况下观察到最大的风险厌恶,相对风险厌恶系数为4.51.
结论:
- 基线健康状况显著影响健康收益的感知价值.
- 这些发现需要对成本效益分析和健康经济理论进行修订.
- 了解整个健康领域的风险偏好对于不确定性下的医疗决策至关重要.
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