Pardo Cristian, Sabat Jorge
Department of Economics, Saint Joseph's University, 5600 City Avenue, Philadelphia, PA, 19131, USA.
Universidad Andres Bello, Santiago, Chile.
Int J Health Econ Manag. 2025 Mar;25(1):27-49. doi: 10.1007/s10754-024-09388-x. Epub 2024 Dec 19.
This paper analyzes the impact of flat premiums on equity and efficiency within a regulated market. We examine the consequences of shifting from a risk-adjusted premium model to a flat premium system, particularly focusing on how this shift affects different income groups and market efficiency. Using a combination of theoretical modeling and empirical analysis, we find that flat premiums may lead to increased cross-subsidization among participants, with notable effects on both equity and efficiency. Our results suggest that while flat premiums simplify the regulatory framework, they also introduce trade-offs that policymakers must carefully consider.
本文分析了统一保费对受监管市场中公平性和效率的影响。我们研究了从风险调整保费模式转向统一保费制度的后果，特别关注这种转变如何影响不同收入群体和市场效率。通过理论建模和实证分析相结合的方法，我们发现统一保费可能会导致参与者之间交叉补贴增加，对公平性和效率都有显著影响。我们的结果表明，虽然统一保费简化了监管框架，但它们也带来了政策制定者必须仔细考虑的权衡。
