The Economics of Health Insurance

被引：4

作者：

Jha, Saurabh ^{[1
]}

Baker, Tom ^{[2
]}

机构：

[1] Univ Penn, Dept Radiol, Philadelphia, PA 19104 USA

[2] Univ Penn, Sch Law, Philadelphia, PA 19104 USA

来源：

JOURNAL OF THE AMERICAN COLLEGE OF RADIOLOGY | 2012年 / 9卷 / 12期

关键词：

Patient Protection and Affordable Care Act; Kenneth Arrow; uncertainty; Akerlof's lemons; asymmetric information; adverse selection; moral hazard; externality; health insurance; risk classification; market failure; UNCERTAINTY; MARKET;

D O I：

10.1016/j.jacr.2012.09.007

中图分类号：

R8 [特种医学]; R445 [影像诊断学];

学科分类号：

1002 ; 100207 ; 1009 ;

摘要：

Insurance plays an important role in the United States, most importantly in but not limited to medical care. The authors introduce basic economic concepts that make medical care and health insurance different from other goods and services traded in the market. They emphasize that competitive pricing in the marketplace for insurance leads, quite rationally, to risk classification, market segmentation, and market failure. The article serves as a springboard for understanding the basis of the reforms that regulate the health insurance market in the Patient Protection and Affordable Care Act.

引用

页码：866 / 870

页数：5

共 50 条

[31] Employer-Sponsored Health Insurance and the Promise of Health Insurance Reform [J].

Buchmueller, Thomas C. ;

Monheit, Alan C. .

INQUIRY-THE JOURNAL OF HEALTH CARE ORGANIZATION PROVISION AND FINANCING, 2009, 46 (02) :187-202

[32] Health Insurance Coverage and Take-Up: Lessons from Behavioral Economics [J].

Baicker, Katherine ;

Congdon, William J. ;

Mullainathan, Sendhil .

MILBANK QUARTERLY, 2012, 90 (01) :107-134

[33] Adverse selection or advantageous selection? Risk and underwriting in China's health-insurance market [J].

Gao, Feng ;

Powers, Michael R. ;

Wang, Jun .

INSURANCE MATHEMATICS & ECONOMICS, 2009, 44 (03) :505-510

[34] Profiles of health insurance policyholders and health care users: evidence from Malaysia [J].

Abu-Bakar, Arpah ;

Samsudin, Shamzaeffa ;

Suhadah, Mohd Taipor .

ISSC 2016 INTERNATIONAL CONFERENCE ON SOFT SCIENCE, 2016, 14 :327-332

[35] Multidimensional private information, market structure, and insurance markets [J].

Fang, Hanming ;

Wu, Zenan .

RAND JOURNAL OF ECONOMICS, 2018, 49 (03) :751-787

[36] REGULATING INSURANCE MARKETS: MULTIPLE CONTRACTING AND ADVERSE SELECTION [J].

Attar, Andrea ;

Mariotti, Thomas ;

Salanie, Francois .

INTERNATIONAL ECONOMIC REVIEW, 2022, 63 (03) :981-1020

[37] The behavioral welfare economics of insurance [J].

Harrison, Glenn W. .

GENEVA RISK AND INSURANCE REVIEW, 2019, 44 (02) :137-175

[38] What Does (Formal) Health Insurance Do, and for Whom? [J].

Finkelstein, Amy ;

Mahoney, Neale ;

Notowidigdo, Matthew J. .

ANNUAL REVIEW OF ECONOMICS, VOL 10, 2018, 10 :261-286

[39] Risk selection into supplemental private health insurance in China [J].

Jiang, Yawen ;

Ni, Weiyi .

HEALTH ECONOMICS REVIEW, 2019, 9 (01)

[40] Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia [J].

Aistov, Andrey ;

Aleksandrova, Ekaterina ;

Gerry, Christopher J. .

EUROPEAN JOURNAL OF HEALTH ECONOMICS, 2021, 22 (02) :281-309

← 1 2 3 4 5 →