CentER, TILEC, Department of Economics, Tilburg University, P.O. Box 90153, 5000 LE Tilburg, The Netherlands; CEPR, London, UK.
J Health Econ. 2018 Jul;60:53-74. doi: 10.1016/j.jhealeco.2018.05.002. Epub 2018 May 31.
In a model where patients face budget constraints that make some treatments unaffordable without health insurance, we ask which treatments should be covered by universal basic insurance and which by private voluntary insurance. We argue that next to cost effectiveness, prevalence is important if the government wants to maximize the welfare gain that it gets from its health budget. Conditions are derived under which basic insurance should cover treatments that are mainly used by high risk agents with low income.
在一个患者面临预算限制的模型中，如果没有健康保险，一些治疗将无法负担，我们会问哪些治疗应该由全民基本保险覆盖，哪些应该由私人自愿保险覆盖。我们认为，如果政府希望从其卫生预算中获得最大的福利收益，那么除了成本效益外，流行程度也很重要。在一定条件下，基本保险应该覆盖主要由低收入高风险人群使用的治疗方法。
