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来源类型 | Discussion paper |
规范类型 | 论文 |
来源ID | DP16238 |
DP16238 Coinsurance vs. copayments: reimbursement rules for a monopolistic medical product with competitive health insurers | |
Helmuth Cremer; Jean-Marie Lozachmeur | |
发表日期 | 2021-06-09 |
出版年 | 2021 |
语种 | 英语 |
摘要 | This paper studies a market for a medical product in which there is perfect competition among health insurers, while the good is sold by a monopolist. Individuals differ in their severity of illness and there is ex post moral hazard. We consider two regimes: one in which insurers use coinsurance rates (ad valorem reimbursements) and one in which insurers use copayments (specific reimbursements). We show that the induced equilibrium with copayments involves a lower producer price and a higher level of welfare for consumers. This results provides strong support for a reference price based reimbursement policy. |
主题 | Public Economics |
关键词 | Ex post moral hazard Health insurance competition Copayments Imperfect competition |
URL | https://cepr.org/publications/dp16238 |
来源智库 | Centre for Economic Policy Research (United Kingdom) |
资源类型 | 智库出版物 |
条目标识符 | http://119.78.100.153/handle/2XGU8XDN/545206 |
推荐引用方式 GB/T 7714 | Helmuth Cremer,Jean-Marie Lozachmeur. DP16238 Coinsurance vs. copayments: reimbursement rules for a monopolistic medical product with competitive health insurers. 2021. |
条目包含的文件 | 条目无相关文件。 |
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