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The demand for health insurance in a multirisk context

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  • Mohamed Anouar Razgallah

    ()
    (GATE CNRS)

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    Abstract

    Using a model of bivariate decision under risk, we analyse the health insurance demand when there are two sources of risk: a health risk and an uninsurable one. We examine how the uninsurable risk affects the coverage of the health risk. We show that the determinants of the demand for health insurance are not only the correlation between the health and uninsurable risks as shown by Doherty and Schlesinger (1983a) and the variation of the marginal utility of wealth with respect to the health status (Rey, 2003) but also the way in which the occurrence of the uninsurable risk affects the marginal utility of wealth.

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    File URL: ftp://ftp.gate.cnrs.fr/RePEc/2005/0504.pdf
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    Bibliographic Info

    Paper provided by Groupe d'Analyse et de Théorie Economique (GATE), Centre national de la recherche scientifique (CNRS), Université Lyon 2, Ecole Normale Supérieure in its series Working Papers with number 0504.

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    Length: 17 pages
    Date of creation: Nov 2005
    Date of revision:
    Handle: RePEc:gat:wpaper:0504

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    Keywords: Correlated risks; Health insurance; State-dependent utility;

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    1. Doherty, Neil A & Schlesinger, Harris, 1983. "Optimal Insurance in Incomplete Markets," Journal of Political Economy, University of Chicago Press, vol. 91(6), pages 1045-54, December.
    2. Béatrice Rey, 2003. "A Note on Optimal Insurance in the presence of a Nonpecuniary Background Risk," Theory and Decision, Springer, vol. 54(1), pages 73-83, February.
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