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Efficacité et risque moral ex post en assurance maladie

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  • David Bardey
  • Agnès Couffinhal
  • Michel Grignon

Abstract

[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.

Suggested Citation

  • David Bardey & Agnès Couffinhal & Michel Grignon, 2003. "Efficacité et risque moral ex post en assurance maladie," Revue Française d'Économie, Programme National Persée, vol. 18(2), pages 165-197.
  • Handle: RePEc:prs:rfreco:rfeco_0769-0479_2003_num_18_2_1487 Note: DOI:10.3406/rfeco.2003.1487
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    References listed on IDEAS

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    1. Andrew K. Rose, 2000. "One money, one market: the effect of common currencies on trade," Economic Policy, CEPR;CES;MSH, vol. 15(30), pages 7-46, April.
    2. William Poole, 1969. "Optimal choice of monetary policy instruments in a simple stochastic macro model," Special Studies Papers 2, Board of Governors of the Federal Reserve System (U.S.).
    3. Ronald McKinnon, 2000. "Mundell, the Euro, and Optimum Currency Areas," Working Papers 00009, Stanford University, Department of Economics.
    4. Maurice Obstfeld & Giovanni Peri, 1998. "Regional non-adjustment and fiscal policy," Economic Policy, CEPR;CES;MSH, vol. 13(26), pages 205-259, April.
    5. William Poole, 1970. "Optimal Choice of Monetary Policy Instruments in a Simple Stochastic Macro Model," The Quarterly Journal of Economics, Oxford University Press, vol. 84(2), pages 197-216.
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    Cited by:

    1. Roquebert, Q. & Tenand, M., 2016. "Pay less, consume more? Estimating the price elasticity of demand for home care services of the disabled elderly," Health, Econometrics and Data Group (HEDG) Working Papers 16/16, HEDG, c/o Department of Economics, University of York.
    2. Batifoulier, Philippe, 2015. "Aux origines de la privatisation du financement du soin : quand la théorie de l’aléa moral rencontre le capitalisme sanitaire," Revue de la Régulation - Capitalisme, institutions, pouvoirs, Association Recherche et Régulation, vol. 17.
    3. Philippe Batifoulier, 2014. "De l’aléa moral du patient aux inégalités d’accès aux soins," EconomiX Working Papers 2014-7, University of Paris Nanterre, EconomiX.

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