醫(yī)療保險(xiǎn)講義課件(存儲(chǔ)版)
【正文】 , Y=財(cái)富 , b 1l U=l 利用約翰的例子 use John’s examplel 他的確定效用 =l 他的期望效用 =l 確定效用 期望效用 His certainty utility his expected utilityl 他是風(fēng)險(xiǎn)偏好者 he is risk loverl 他不愿購(gòu)買保險(xiǎn) he will not buy insurance 12醫(yī)療保險(xiǎn) Health InsuranceWUW1 W2 W3U1U2U3WW1 W2 W3MU13醫(yī)療保險(xiǎn) Health Insurancel 效用函數(shù)對(duì)購(gòu)買保險(xiǎn)行為的影響 The role of utility function in the purchase of insurancel 效用函數(shù)是財(cái)富的增函數(shù)，邊際效用遞減 Utility is increasing function of wealth and marginal utility is increasingl U=a Yb, b1l 確定效用 期望效用 His certainty utilityhis expected utilityl 他將購(gòu)買保險(xiǎn) he will buy insurancel 他是風(fēng)險(xiǎn)規(guī)避者 he is risk averse14醫(yī)療保險(xiǎn) Health InsuranceBA1402002023010000 19500 WUWMU199 D197 C15醫(yī)療保險(xiǎn) Health Insurancel 純保險(xiǎn)金 Pure premiuml 預(yù)期醫(yī)療支出 expected health expenditurel 額外費(fèi)用 Loading costl 執(zhí)行保險(xiǎn)政策時(shí)所發(fā)生的管理費(fèi)用和其他相關(guān)費(fèi)用 administrative and other costs associated with underwriting an insurance policyl 最高保險(xiǎn)費(fèi) Maximum premiuml 當(dāng)期望效用不大于確定效用時(shí)，人們?cè)敢庵Ц兜谋ｋU(xiǎn)費(fèi)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(xiǎn)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(xiǎn)的需求沒有保險(xiǎn)時(shí)的需求17道德風(fēng)險(xiǎn) Moral Hazardl 道德風(fēng)險(xiǎn) Moral hazard probleml 如果有保險(xiǎn)，個(gè)人傾向于減少對(duì)健康的關(guān)注 individuals would take care of themselves less if they had insurancel 由于保險(xiǎn)降低了醫(yī)療服務(wù)的價(jià)格，和自己支付所有費(fèi)用相比，人們將消費(fèi)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(xiǎn)問題 The moral hazard probleml 取決于需求的價(jià)格彈性 depend on the price elasticity of demandl 價(jià)格彈性越大，道德風(fēng)險(xiǎn)問題越嚴(yán)重 The more elastic demand, the more the moral hazard probleml 價(jià)格彈性越小，道德風(fēng)險(xiǎn)問題越輕 the more inelastic demand, the less the moral hazard problem 18道德風(fēng)險(xiǎn) Moral Haz
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