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Efficacité et risque moral ex post en assurance maladie

Listed author(s):
  • David Bardey
  • Agnès Couffinhal
  • Michel Grignon

[eng] When most health economists use the term « moral hazard », they usually refer to the fact that insured individuals tend to have higher health expenses than those who have no or less coverage. In 1968, Pauly demonstrated that this moral hazard generates a welfare loss. Detailing the reasons why insurance leads to higher expenditure, we propose a review of the subsequent theoretical literature which shows that Pauly may have overestimated the level of this welfare loss. [fre] Dans le domaine de la santé, on utilise le terme de « risque moral » pour désigner le fait que les personnes assurées ont des dépenses de santé plus élevées que les personnes non assurées. Un article de Pauly en 1968 portant sur ce sujet a montré que le comportement de risque moral des assurés génère une perte de bien-être social. Après avoir détaillé les éléments qui conduisent à des dépenses plus élevées, nous présentons l'analyse théorique du phénomène de risque moral ex post et de ses conséquences en termes de bien- être. Cette revue de littérature conduit à tempérer le jugement de Pauly.

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Article provided by Programme National Persée in its journal Revue française d'économie.

Volume (Year): 18 (2003)
Issue (Month): 2 ()
Pages: 165-197

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Handle: RePEc:prs:rfreco:rfeco_0769-0479_2003_num_18_2_1487
Note: DOI:10.3406/rfeco.2003.1487
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