Gestion des risques longs et comportements de risque moral sur les marchés d'assurance maladie la première inefficacité peut-elle éliminer la seconde ?

Long term coverage of health risk and moral hazard behaviour used to be analysed separately in the literature of health insurance markets regulation. Theses studies usually conclude that inefficiencies due to the lack of long term coverage of health risk are a specificity of competitive health insurance markets. On the contrary, some studies conclude that moral hazard behaviour does not depend on the public or private nature of the health insurance. In this paper, we demonstrate that the inefficiencies caused by the lack of long term coverage influence the moral hazard behaviour of policy holders. We suggest a regulation for the health insurance markets which permit to implement an optimal trade-off between these two effects.