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Pré-publication, Document de travail Année : 2022

Coinsurance vs. copayments : reimbursement rules for a monopolistic medical product with competitive health insurers

Résumé

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 di¤er 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 (specic reimbursements). We show that the induced equilibrium with copayments involves a lower producer price and a higher level of wel- fare for consumers. This results provides strong support for a reference price based reimbursement policy.
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Dates et versions

hal-03629480, version 1 (04-04-2022)

Identifiants

  • HAL Id : hal-03629480 , version 1

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Helmuth Cremer, Jean-Marie Lozachmeur. Coinsurance vs. copayments : reimbursement rules for a monopolistic medical product with competitive health insurers. 2022. ⟨hal-03629480⟩
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Dernière date de mise à jour le 07/04/2024
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