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The Likely Effects of Employer-Mandated Complementary Health Insurance on Health Coverage in France

Author

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  • Aurélie Pierre

    (IRDES Institut de recherche et documentation en économie de la santé, Université Paris Descartes)

  • Florence Jusot

    (Université Paris-Dauphine Leda-Legos, IRDES Institut de recherche et documentation en économie de la santé)

Abstract

In France, access to health care greatly depends on having a complementary health insurance coverage (CHI). Thus, the generalisation of CHI became a core factor in the national health strategy created by the government in 2013. The first measure has been to compulsorily extend employer-sponsored CHI to all private sector employees on January 1st, 2016 and improve its portability coverage for unemployed former employees for up to 12 months. Based on data from the 2012 Health, Health Care and Insurance survey, this article provides a simulation of the likely effects of this mandate on CHI coverage and related inequalities in the general population by age, health status, socio-economic characteristics and time and risk preferences. We show that the non-coverage rate that was estimated to be 5% in 2012 will drop to 4% following the generalisation of employer-sponsored CHI and to 3.7% after accounting for portability coverage. The most vulnerable populations are expected to remain more often without CHI whereas non coverage will significantly decrease among the less risk averse and the more present oriented. With its focus on private sector employees, the policy is thus likely to do little for populations that would benefit most from additional insurance coverage while expanding coverage for other populations that appear to place little value on CHI.
(This abstract was borrowed from another version of this item.)

Suggested Citation

  • Aurélie Pierre & Florence Jusot, 2017. "The Likely Effects of Employer-Mandated Complementary Health Insurance on Health Coverage in France," Working Papers DT67bis, IRDES institut for research and information in health economics, revised Feb 2017.
  • Handle: RePEc:irh:wpaper:dt67bis
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    References listed on IDEAS

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    Cited by:

    1. Or, Zeynep & Gandré, Coralie & Durand Zaleski, Isabelle & Steffen, Monika, 2022. "France's response to the Covid-19 pandemic: between a rock and a hard place," Health Economics, Policy and Law, Cambridge University Press, vol. 17(1), pages 14-26, January.
    2. Stéphanie Baggio & Marc Dupuis & Hans Wolff & Patrick Bodenmann, 2018. "Associations of lack of voluntary private insurance and out-of-pocket expenditures with health inequalities. Evidence from an international longitudinal survey in countries with universal health cover," PLOS ONE, Public Library of Science, vol. 13(10), pages 1-13, October.
    3. Dawn Branley-Bell & Yolanda Gómez & Lynne Coventry & José Vila & Pam Briggs, 2021. "Developing and Validating a Behavioural Model of Cyberinsurance Adoption," Sustainability, MDPI, vol. 13(17), pages 1-16, August.
    4. Christine Le Clainche & Pascale Lengagne, 2019. "The Effects of Mass Layoffs on Mental Health," Working Papers DT78, IRDES institut for research and information in health economics, revised May 2019.
    5. Aurélie Pierre & Florence Jusot & Denis Raynaud & Carine Franc, 2018. "Généralisation de la complémentaire santé d’entreprise. Une évaluation ex ante des gains et des pertes de bien-être," Revue économique, Presses de Sciences-Po, vol. 69(3), pages 407-441.

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    More about this item

    Keywords

    Complementary Health Insurance; Inequality; Risk aversion; Time preference; National Interprofessional Agreement; Simulation;
    All these keywords.

    JEL classification:

    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private
    • D63 - Microeconomics - - Welfare Economics - - - Equity, Justice, Inequality, and Other Normative Criteria and Measurement

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