Title: Supply – demand econometric model
of
healthcare insurance in the risk context
Abstract: In this paper, we study the
regulation
of the sector regarding the healthcare insurance system and local
insurance
contracts in a framework of analysis taking into account the phenomena
of
induced demand of the medical staff and moral hazard behaviors of the
policyholders.
Whatever the institutional context would be (monopoly public insurer,
competing
insurers, national health system etc.), analysis of the organization
and
mechanisms for regulating the health systems is complex because it
takes
into account the interactions between three categories of actors: 1)
the
insurer, 2) healthcare treatment suppliers and 3) policyholders, the
latter
eventually becoming patients.
Author: Claudiu CICEA
