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Optimal health insurance for multiple goods and time periods

机译:多种商品和时段的最佳健康保险

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We examine the efficiency-based arguments for second-best optimal health insurance with multiple treatment goods and multiple time periods. Correlated shocks across health care goods and over time interact with complementarity and substitutability to affect optimal cost sharing. Health care goods that are substitutes or have positively correlated demand shocks should have lower optimal patient cost sharing. Positive serial correlations of demand shocks and uncompensated losses that are positively correlated with covered health services also reduce optimal cost sharing. Our results rationalize covering pharmaceuticals and outpatient spending more fully than is implied by static, one good, or one period models. (C) 2015 Elsevier B.V. All rights reserved.
机译:我们研究了基于效率的论点,该论据是具有多个治疗商品和多个时间段的次优最佳健康保险。跨保健品以及随着时间的流逝,相关的冲击会与互补性和替代性相互作用,从而影响最佳的成本分担。替代品或需求冲击具有正相关的医疗保健产品应具有较低的最佳患者分担费用。需求冲击的正序列相关性和与承保的医疗服务正相关的未补偿损失也减少了最佳成本分担。我们的结果使药物和门诊支出的合理化程度超过了静态,一种商品或一种时期模型所暗示的范围。 (C)2015 Elsevier B.V.保留所有权利。

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