Regulating Private Health Insurance in France: New Challenges for Employer-Based Complementary Health Insurance

Monique Kerleau (), Anne Fretel () and Isabelle Hirtzlin ()
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Monique Kerleau: Centre d'Economie de la Sorbonne, https://centredeconomiesorbonne.cnrs.fr
Anne Fretel: Centre d'Economie de la Sorbonne, https://centredeconomiesorbonne.cnrs.fr
Isabelle Hirtzlin: Centre d'Economie de la Sorbonne, https://centredeconomiesorbonne.cnrs.fr

Documents de travail du Centre d'Economie de la Sorbonne from Université Panthéon-Sorbonne (Paris 1), Centre d'Economie de la Sorbonne

Abstract: In France, people obtain basic health insurance coverage through a public health insurance system. Although public coverage is comprehensive, substantial co-payments and deductibles are more and more required and individuals become increasingly dependant on private complementary health insurance, to be better reimbursed. In the context of strengthened constraints to control public health spending, the market for complementary cover is indeed likely to develop. This expansion has several implications for the regulation of private health insurance. Starting in the early 2000s, public policies have emphasized tools that directly motivate employers to provide group-insurance schemes. These include subsidies to employers for offering complulsory, supplementary coverage, and mandating social partners to negociate the implementation of health coverage in every compagny, whatever its size or activity. Such changes tend, to some extent, to "re-couple" health insurance with companies. This paper explores the implications of this experience for France

Keywords: Private health care insurance; complementary employer-provided health insurance (search for similar items in EconPapers)
JEL-codes: G22 G28 I18 J33 (search for similar items in EconPapers)
Pages: 30 pages
Date: 2009-09
New Economics Papers: this item is included in nep-hea, nep-ias and nep-reg
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Persistent link: https://EconPapers.repec.org/RePEc:mse:cesdoc:09056

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