Department of Economics and Finance, University of Texas-Pan American, Edinburg, Texas, USA.
Health Econ. 2013 Aug;22(8):987-1002. doi: 10.1002/hec.2874. Epub 2012 Oct 19.
We develop a theoretical model of a local healthcare system in which consumers, health insurance companies, and healthcare providers interact with each other in markets for health insurance and healthcare services. When income and health status are heterogeneous, and healthcare quality is associated with fixed costs, the market equilibrium level of healthcare quality will be underprovided. Thus, healthcare reform provisions and proposals to cover the uninsured can be interpreted as an attempt to correct this market failure. We illustrate with a numerical example that if consumers at the local level clearly understand the linkages between health insurance coverage and the quality of local healthcare services, health insurance coverage proposals are more likely to enjoy public support.
我们构建了一个地方医疗体系的理论模型，在这个模型中，消费者、健康保险公司和医疗服务提供者在健康保险和医疗服务市场中相互作用。当收入和健康状况存在异质性，并且医疗质量与固定成本相关时，医疗质量的市场均衡水平将会不足。因此，医疗改革的规定和为无保险者提供保险的建议，可以被解释为纠正这种市场失灵的尝试。我们用一个数值例子来说明，如果地方层面的消费者清楚地理解了健康保险覆盖范围和当地医疗服务质量之间的联系，那么健康保险覆盖范围的提议就更有可能获得公众支持。
