An overlapping generations approach to price policies in privatehealthcare insurance. The Catalan case
2013
We analyze premium policies and price dispersion among private healthcare insurance
firms from an overlapping-generations model. The model shows that firms that apply
equal premium to all policyholders and firms that set premiums according to the risk of
insured can coexist in the short run, whereas coexistence is unlikely in the long run
because it requires the coincidence of economic growth and interest rates. We find
support for the model’s results in the Catalan health insurance industry.
Keywords: Economic theory, price policies, health insurance, health economics,
overlapping-generations.
JEL Classifications: I11 / L11 / L23
Keywords:
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