最优健康保险研究：静态与动态视角的比较

发布时间：2018-07-25 15:15

【摘要】：大部分关于健康保险的理论和实证文章都是基于静态的健康状态而展开的。然而在我们这篇文章中,首先参考Cutler和Zeckhauser (2000)的handbook中关于最优保险求解的模型,通过分析一期,采取模拟的方法,先求得使得社会福利(社会加权平均效用)最大情况下的保险报销比率。在我们设定的参数值前提下,这个最优的报销比率为0.4。然后通过加入健康冲击动态因素,将模型扩展到两期,使用动态最优求解方法来分析不同报销比率下社会福利和健康消费的情况,以及和静态情况下的对比。最后的文章结果得到,在加入了健康冲击动态因素的情况下,最优的保险报销大约为03,要低于静态的情况,这也证实了,动态情况下,第一期的医疗服务消费会降低第二期的健康冲击的程度,从而较低的保险报销比率便可以产生较大的效用。
[Abstract]:Most of the theoretical and empirical articles on health insurance are based on the static state of health. However, in this paper, we first refer to the model of optimal insurance solution in handbook of Cutler and Zeckhauser (2000). By analyzing the first stage, we adopt the method of simulation. First, the insurance reimbursement ratio under the maximum social welfare (social weighted average utility) is obtained. The optimal reimbursement ratio is 0. 4 on the premise of the parameter value we set. Then by adding the dynamic factors of health shock, the model is extended to two periods, and the dynamic optimal solution method is used to analyze the social welfare and health consumption under different reimbursement rates, as well as the comparison with the static situation. The result of the last article is that the optimal insurance reimbursement is about 03, which is lower than the static condition, when the dynamic factors of health shock are added, which also proves that, in the dynamic situation, The first phase of health care consumption will reduce the impact of the second phase of the health impact, thus a lower insurance reimbursement ratio can have a greater effect.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F840.62

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