Most theoretical and empirical work on efficient health insurance has been based on models with linear insurance schedules (a constant co-insurance parameter).
In this paper, dynamic optimization techniques are used to analyse the properties of optimal non-linear insurance schedules in a model similar to one originally considered by Spence and Zeckhauser (American Economic Review, 1971,61,380-387) and reminiscent of those that have been used in the literature on optimal income taxation.
The results of a preliminary numerical example suggest that the welfare losses from the implicit subsidy to employer financed health insurance under US tax law may be a good deal smaller than previously estimated using linear models.
Mots-clés Pascal : Assurance maladie, Modèle
Mots-clés Pascal anglais : Health insurance, Models
Cote : 13995
Code Inist : 002B30A11. Création : 19/12/1997.