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El sector salud en Colombia: riesgo moral y seleccio?n adversa en el Sistema General de Seguridad Social en Salud

Author

Listed:
  • Mauricio Santa María

    ()

  • Fabián García A.

    ()

  • Tatiana Vásquez B.

    ()

Abstract

Se estudian los problemas de seleccio?n adversa y riesgo moral dentro del mercado de aseguramiento en salud, con el fin de determinar cua?l ha sido el rol de las cuotas moderadoras en el uso de servicios y verificar la hipo?tesis existente sobre la concentracio?n de la poblacio?n ma?s riesgosa dentro del iss. Se utilizan modelos multinomiales y binomiales, con los que se obtiene evidencia de que la creacio?n del sgsss contribuyo? a la concentracio?n del riesgo en el iss. Adicionalmente, dentro de los principales hallazgos se tiene que el sgsss presenta cierto grado de seleccio?n adversa: las personas que gozan de mejor estado de salud (subjetivo y objetivo) y las ma?s jo?venes se aseguran en menor proporcio?n que los dema?s grupos de la poblacio?n. Finalmente, se encuentra que el uso de los servicios aumenta a medida que crece el Plan Obligatorio de Servicios (pos), lo que sugiere que existe un leve problema de riesgo moral en este mercado.

Suggested Citation

  • Mauricio Santa María & Fabián García A. & Tatiana Vásquez B., 2009. "El sector salud en Colombia: riesgo moral y seleccio?n adversa en el Sistema General de Seguridad Social en Salud," COYUNTURA ECONÓMICA, FEDESARROLLO, June.
  • Handle: RePEc:col:000438:012700
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    More about this item

    Keywords

    Riesgo Moral; Selección Adversa; Seguros de Salud; Información Asimétrica; Salud;

    JEL classification:

    • I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health
    • I19 - Health, Education, and Welfare - - Health - - - Other
    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design

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