| 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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