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Assurance et recours aux soins. Une analyse microéconométrique à partir de l'enquête Santé 1991-1992 de l'Insee

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Abstract

[eng] Insurance and health care : a micro-econometric analysis based on the 1991-92 french health survey. . The 1991-92 French Health Survey is used to study the links between insurance, health and health care consumption. There is little empirical evidence of self-selection with respect to supplemental coverage : insured and uninsured people have similar health status and, among insured people, those who have a compulsory supplemental coverage and those who have an optional one have similar health care consumption. Moral hazard is much more important : insurance affects the decision to initiate an episode of health care rather than the quantity of care by episode. However, the link between insurance and health care can not only be analysed in strategic terms, since among insured people, a better coverage is associated with less health care consumption. [fre] Insurance and health care : a micro-econometric analysis based on the 1991-92 french health survey. . The 1991-92 French Health Survey is used to study the links between insurance, health and health care consumption. There is little empirical evidence of self-selection with respect to supplemental coverage : insured and uninsured people have similar health status and, among insured people, those who have a compulsory supplemental coverage and those who have an optional one have similar health care consumption. Moral hazard is much more important : insurance affects the decision to initiate an episode of health care rather than the quantity of care by episode. However, the link between insurance and health care can not only be analysed in strategic terms, since among insured people, a better coverage is associated with less health care consumption.

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