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首页> 外文期刊>Ciência & Saúde Coletiva >Segmenta??o da demanda dos planos e seguros privados de saúde: uma análise das informa??es da PNAD/98
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Segmenta??o da demanda dos planos e seguros privados de saúde: uma análise das informa??es da PNAD/98

机译：私人卫生计划和保险需求细分：PNAD / 98信息分析

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摘要

The authors investigate the extent to which adverse selection and moral hazard influence private health insurance demand in Brazil, based on the 1998 National Socioeconomic and Health Survey. Three population groups were compared, namely the one whose private health insurance was acquired by their employers, a second group whose insurance was individually acquired directly from insurance providers, and finally the one without any type of private health insurance and exclusively assisted by public health services. A taxonomy of health insurance plans was developed, and other covariates were also considered in the analysis, namely health states, health care services use, and health insurance coverage. The results suggest the occurrence of both types of market failures. Private health insurance coverage was found to be associated with unfavorable self-reported health states while the type of coverage appears to be associated with a more frequent use of health services. Multivariate logistic regression analyses, with multiple controls, showed that only health care expenditures remained associated with both adverse selection and moral hazard. Although a clear cut pattern of asymmetric information was not observed, results point out the need to further investigate the relations among morbidity, health care services use, health care expenditures and the varying types of health insurance plans.
机译：作者根据1998年全国社会经济与健康调查，调查了逆向选择和道德风险影响巴西私人健康保险需求的程度。比较了三个人群，一个是其雇主购买了私人健康保险的人群，另一个是直接从保险提供者那里单独购买保险的人群，最后是没有任何类型的私人健康保险且仅由公共卫生服务协助的人群。 。建立了健康保险计划的分类法，并且在分析中还考虑了其​​他协变量，即健康状态，医疗服务使用和健康保险覆盖率。结果表明两种类型的市场失灵的发生。发现私人健康保险的承保范围与不利的自我报告的健康状况有关，而承保类型似乎与更频繁地使用卫生服务有关。具有多个控制项的多元逻辑回归分析表明，只有医疗保健支出仍然与逆向选择和道德风险相关。尽管未观察到清晰的不对称信息模式，但结果表明有必要进一步研究发病率，医疗服务使用，医疗支出和各种医疗保险计划之间的关系。

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