An overlapping generations approach to price policies in privatehealthcare insurance. The Catalan case

Misericordia Carles Lavila and Martí Oliva Furés

Working Papers from Universitat Rovira i Virgili, Department of Economics

Abstract: We analyze premium policies and price dispersion among private healthcare insurance firms from an overlapping-generations model. The model shows that firms that apply equal premium to all policyholders and firms that set premiums according to the risk of insured can coexist in the short run, whereas coexistence is unlikely in the long run because it requires the coincidence of economic growth and interest rates. We find support for the model’s results in the Catalan health insurance industry. Keywords: Economic theory, price policies, health insurance, health economics, overlapping-generations. JEL Classifications: I11 / L11 / L23

Keywords: Economia de la salut; Assegurances de salut; Preus -- Fixació; Serveis sanitaris; Producció -- Organització; 338 - Situació econòmica. Política econòmica. Gestió; control i planificació de l'economia. Producció. Serveis. Turisme. Preus (search for similar items in EconPapers)
Date: 2013
New Economics Papers: this item is included in nep-dge, nep-hea and nep-ias
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Persistent link: https://EconPapers.repec.org/RePEc:urv:wpaper:2072/220218

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