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Planes Mínimos Obligatorios en Mercados de Seguros de Salud Segmentados

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  • Edmundo Beteta
  • Manuel Willington

Abstract

Se analiza el efecto de la introducción de un plan mínimo obligatorio de prestaciones (PMO) en un mercado de seguros de salud segmentado en que el seguro público y las aseguradoras privadas atienden respectivamente a riesgos altos y bajos (la segmentación es obtenida de manera endógena en el modelo). El análisis se realiza en un contexto en que ambos tipos de aseguradores deben ofrecer el PMO y los asegurados tienen una obligación de asegurarse y contribuir una prima mínima. Al comparar los equilibrios pre y post introducción del PMO, se constata que la reforma introduce indirectamente un mecanismo de subsidios implícitos que otorgan cierta solidaridad al sistema, aun cuando la reforma no lo promueva de manera explícita mediante mecanismos de compensación de riesgos. Para que este mecanismo de subsidio implícito opere es imprescindible que se regulen tanto el precio como la calidad asociados al PMO y que el regulador tenga la capacidad de coerción para que las aseguradoras privadas efectivamente ofrezcan el PMO a todos los tipos de asegurados.

Suggested Citation

  • Edmundo Beteta & Manuel Willington, 2009. "Planes Mínimos Obligatorios en Mercados de Seguros de Salud Segmentados," Estudios de Economia, University of Chile, Department of Economics, vol. 36(2 Year 20), pages 217-241, December.
    • Handle: RePEc:udc:esteco:v:36:y:2009:i:2:p:217-241
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    Cited by:

    1. Willington Manuel & Alegría Alexander, 2012. "Collusion in a One-Period Insurance Market with Adverse Selection," The B.E. Journal of Economic Analysis & Policy, De Gruyter, vol. 12(1), pages 1-32, April.

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    More about this item

    Keywords

    Seguros de salud; plan mínimo obligatorio de prestaciones; competencia administrada;
    All these keywords.

    JEL classification:

    • I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health

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