醫(yī)療保險講義課件(已修改)
2025-01-06 09:51 本頁面
【正文】 醫(yī)療保險Health Insurance11月 10日1醫(yī)療保險 Health Insurancel 醫(yī)療保險 Health Insurancel 提供一種分散由疾病引起的財務(wù)風(fēng)險的方式 Provide a way to diversify financial risks associated with illnessl 醫(yī)療保險的需求理論 The theory of demand for health insurancel 個人希望最大化其效用 An individual wishes to maximize his or her utilityl 如果事件確定，每個人最大化其確定的效用 if there are certain events, individual maximizes his or her certainty utilityl 如果事件不確定，每個人最大化其期望效用 if there are uncertain events, individual maximizes his or her expected utility 2醫(yī)療保險 Health Insurancel 期望效用 Expected utilityl ＝生病的概率 生病時的財富所帶來的效用＋健康的概率 健康時的財富所帶來的效用 =probability of illness utility of wealth with illness + probability of healthy utility of wealth with healthyl 例子，假設(shè) Example, assumel 約翰有 $20,000 的年收入，年內(nèi)沒有儲蓄和貸款 John has $20,000 annual ine, no saving and borrowingl 健康的概率 95% ，醫(yī)療支出為 0，財富為 $20,000 With 95% probability, he will be healthy. When he is healthy, his health care expenditure is 0 and his wealth is $20,000l 生病的概率 5% ，醫(yī)療支出 $10,000 ，財富 $10,000 with 5% probability, he will be sick. When he is sick, his health care expenditure is $10,000 and his wealth is reduced to $10,000.3醫(yī)療保險 Health Insurancel 兩種可選的行動方案 Two alternative courses of actionl 他可以購買保險，承擔(dān)一個數(shù)目不大的保險費(fèi) He can purchase insurance and incur a small loss in the form of the insurance premiuml 他也可以自我保險 He can selfinsurel 生病概率小，但是一旦生病損失很大 small possibility of a large loss if the illness occursl 不生病的概率大，也沒有醫(yī)療支出 large possibility that the medical loss will not occurl 問題：哪種選擇可以使他的效用最大化？ Question: which choice provides him with a higher level of utility4醫(yī)療保險 Health Insurancel 如果約翰購買醫(yī)療保險 If John would buy health insurancel
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