Pauly M V
Health Serv Res. 1969 Winter;4(4):281-92.
A measure of the economic welfare cost due to excess usage of insured services is presented, illustrated by empirical estimations of the welfare cost of existing insurance in selected years and of the effect on marginal welfare cost if all 1963 physician care had been fully insured. It is argued that no case can be made for either increasing or restricting insurance coverage as a means of reducing excess usage cost, but that empirical investigation, with refined estimates of critical parameters, will allow prediction of the effect of any health insurance package on economic welfare.
本文提出了一种衡量因过度使用保险服务而产生的经济福利成本的方法，并通过对特定年份现有保险的福利成本以及如果1963年所有医生护理都完全投保对边际福利成本的影响进行实证估计加以说明。有人认为，无论是增加还是限制保险覆盖范围作为降低过度使用成本的手段都没有依据，但通过对关键参数进行精确估计的实证研究，将能够预测任何医疗保险方案对经济福利的影响。
