醫(yī)療保險講義課件-全文預(yù)覽
【正文】 xpected health expenditurel 額外費用 Loading costl 執(zhí)行保險政策時所發(fā)生的管理費用和其他相關(guān)費用 administrative and other costs associated with underwriting an insurance policyl 最高保險費 Maximum premiuml 當(dāng)期望效用不大于確定效用時，人們愿意支付的保險費的最大金額 the maximum amount the person would be willing to pay as long as his expected utility is not greater than his certainty utility16保險怎樣影響醫(yī)療保健的需求 How Insurance Affects a Demand Curve for Health Carem15301505 10pm具有 50%共付率保險的需求沒有保險時的需求17道德風(fēng)險 Moral Hazardl 道德風(fēng)險 Moral hazard probleml 如果有保險，個人傾向于減少對健康的關(guān)注 individuals would take care of themselves less if they had insurancel 由于保險降低了醫(yī)療服務(wù)的價格，和自己支付所有費用相比，人們將消費更多的醫(yī)療保健 since insurance lowers the price of medical care to individuals, they will consume more health care than if they had to pay the entire price themselves. l 道德風(fēng)險問題 The moral hazard probleml 取決于需求的價格彈性 depend on the price elasticity of demandl 價格彈性越大，道德風(fēng)險問題越嚴重 The more elastic demand, the more the moral hazard probleml 價格彈性越小，道德風(fēng)險問題越輕 the more inelastic demand, the less the moral hazard problem 18道德風(fēng)險 Moral HazardDemand0 Q1PmP12B CDemand0 Q1PmP1QB19道德風(fēng)險 Moral Hazardl 保險責(zé)任范圍政策 Insurance coverage policyl 對越缺乏彈性的服務(wù)，保險責(zé)任范圍越大 more plete coverage for more inelastic servicesl 對彈性越大的服務(wù)，保險責(zé)任范圍越小 less coverage for more elastic servicesl 利用需求的價格彈性制定保險責(zé)任范圍政策是限制道德風(fēng)險的一種方法 use the price elasticity of demand to set up insurance coverage policy is a way to limit moral hazard problem20道德風(fēng)險 Moral Hazardl 共付保險和起付線 Coinsurance and deductiblel 限制道德風(fēng)險的另一種方法 another ways to limit moral hazard probleml 降低福利損失 reduce welfare lossl 管理保健 HMOsl 限制道德風(fēng)險的一種方法 a way to limit moral hazard probl
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