The demand for health insurance in a multirisk context

Using a model of bivariate decision under risk, we analyse the health insurance demand when there are two sources of risk: a health risk and an uninsurable one. We examine how the uninsurable risk affects the coverage of the health risk. We show that the determinants of the demand for health insurance are not only the correlation between the health and uninsurable risks as shown by Doherty and Schlesinger (1983a) and the variation of the marginal utility of wealth with respect to the health status (Rey, 2003) but also the way in which the occurrence of the uninsurable risk affects the marginal utility of wealth.correlated risks; health insurance; state-dependent utility

The demand for health insurance in a multirisk context

Working Paper du GATE 2005-04Using a model of bivariate decision under risk, we analyse the health insurance demand when there are two sources of risk: a health risk and an uninsurable one. We examine how the uninsurable risk affects the coverage of the health risk. We show that the determinants of the demand for health insurance are not only the correlation between the health and uninsurable risks as shown by Doherty and Schlesinger (1983a) and the variation of the marginal utility of wealth with respect to the health status (Rey, 2003) but also the way in which the occurrence of the uninsurable risk affects the marginal utility of wealth.En utilisant un modèle bivarié de décision dans le risque, nous analysons la demande d'assurance santé dans un contexte où un individu fait face à deux risques de nature différente : un risque de santé et un risque non assurable. Nous examinons l'impact d'un risque non assurable sur la couverture du risque de santé. Nous montrons que les principaux déterminants de la demande d'assurance santé sont non seulement la corrélation entre le risque de santé et le risque non assurable comme l'ont montré Doherty et Schlesinger (1983a) et l'utilité marginale de la richesse en fonction de l'état de santé (Rey, 2003) mais aussi la manière dont la réalisation du risque non assurable affecte l'utilité marginale de la richesse

La demande de soins curatifs, l'auto-protection et l'auto-assurance

Working Paper du GATE 2004-02Using a model of bivariate decision under risk of disease, with separates the financial losses from the health losses, we analyse the curative demand for healthcare and the determinants of overconsumption care problem. We also study the demand for self-protection and the demand for self-insurance as well as the impact of the risk aversion on each of these two demands.En utilisant un modèle bivarié de décision dans le risque qui sépare les pertes financières des pertes de santé, nous analysons la demande de soins curatifs présentant un risque de santé ainsi que les déterminants du problème de surconsommation de soins. Nous étudions également la demande d'auto-protection et la demande d'auto-assurance ainsi que l'impact de l'aversion au risque sur chacune de ces deux demandes

La demande de soins curatifs, l'auto-protection et l'auto-assurance

En utilisant un modèle bivarié de décision dans le risque qui sépare les pertes financières des pertes de santé, nous analysons la demande de soins curatifs présentant un risque de santé ainsi que les déterminants du problème de surconsommation de soins. Nous étudions également la demande d'auto-protection et la demande d'auto-assurance ainsi que l'impact de l'aversion au risque sur chacune de ces deux demandes.aléa moral ex post; aversion au risque; prévention; soins curatif

The demand for health insurance in a multirisk context

Using a model of bivariate decision under risk, we analyse the health insurance demand when there are two sources of risk: a health risk and an uninsurable one. We examine how the uninsurable risk affects the coverage of the health risk. We show that the determinants of the demand for health insurance are not only the correlation between the health and uninsurable risks as shown by Doherty and Schlesinger (1983a) and the variation of the marginal utility of wealth with respect to the health status (Rey, 2003) but also the way in which the occurrence of the uninsurable risk affects the marginal utility of wealth.Correlated risks, Health insurance, State-dependent utility