eprintid: 43614
rev_number: 33
eprint_status: archive
userid: 1482
importid: 105
dir: disk0/00/04/36/14
datestamp: 2021-06-15 08:35:49
lastmod: 2025-01-06 13:35:33
status_changed: 2025-01-06 13:35:33
type: monograph
metadata_visibility: no_search
creators_name: Cremer, Helmuth
creators_name: Lozachmeur, Jean-Marie
creators_id: Helmut.Cremer@ut-capitole.fr
creators_id: jean-marie.lozachmeur@tse-fr.eu
creators_idrefppn: 058485376
creators_idrefppn: 179825933
creators_halaffid: 1002422
creators_halaffid: 1002422;441569
title: Coinsurance vs. copayments : reimbursement rules for a monopolistic medical product with competitive health insurers
ispublished: pub
subjects: subjects_ECO
abstract: This paper studies a market for a medical product in which there is perfect competition among health insurers, while the good is sold by a monopolist. Individuals di¤er in their severity of illness and there is ex post moral hazard. We consider two regimes : one in which insurers use coinsurance rates (ad valorem reimbursements) and one in which insurers use copayments (specic reimbursements). We show that the induced equilibrium with copayments involves a lower producer price and a higher level of wel- fare for consumers. This results provides strong support for a reference price based reimbursement policy.
date: 2021-05
date_type: published
publisher: TSE Working Paper
official_url: http://tse-fr.eu/pub/125695
faculty: tse
divisions: tse
keywords: Ex post moral hazard
keywords: health insurance competition
keywords: copayments
keywords: imper-
keywords: fect competition
language: en
has_fulltext: TRUE
subjectsJEL: JEL_I11
subjectsJEL: JEL_I18
view_date_year: 2021
full_text_status: public
monograph_type: working_paper
series: TSE Working Paper
volume: 21-1223
place_of_pub: Toulouse, France
pages: 17
institution: Université Toulouse 1 Capitole
department: Toulouse School of Economics
book_title: TSE Working Paper
oai_identifier: oai:tse-fr.eu:125695
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oai_lastmod: 2023-01-09T09:40:39Z
oai_set: tse
site: ut1
hal_id: hal-03629480
hal_passwd: xii2lkl&
hal_version: 1
hal_url: https://hal.archives-ouvertes.fr/hal-03629480
citation:   Cremer, Helmuth <https://www.idref.fr/058485376> and Lozachmeur, Jean-Marie <https://www.idref.fr/179825933>  (2021) Coinsurance vs. copayments : reimbursement rules for a monopolistic medical product with competitive health insurers.  TSE Working Paper, n. 21-1223, Toulouse, France     
document_url: https://publications.ut-capitole.fr/id/eprint/43614/1/wp_tse_1223.pdf