Mathematical Taxonomy of Health Insurance Models: Conventional Approaches and the Emergent C&C Paradigm

David Dror

EconStor Preprints from ZBW - Leibniz Information Centre for Economics

Abstract: This paper introduces a formal mathematical taxonomy of four principal health insurance models: Bismarckian, Beveridgean, Commercial, and Collaborative & Contributive (C&C). Each model is analyzed for its structural characteristics, sustainability conditions, and demographic resilience under stress. Unique to the C&C model is the incorporation of trust as a variable affecting sustainability and participation. By comparing the equilibrium and value functions across models, the paper reveals fundamental differences in their capacity to withstand demographic and financial pressures. The proposed taxonomy enhances both theoretical understanding and practical evaluation of global health insurance systems.

Keywords: Mathematical taxonomy; Healthcare financing; Health insurance models; Mathematical modeling; Demographic resilience; System equilibrium; Risk pooling; Sustainability thresholds; Bismarckian system; Beveridgean system; Commercial insurance; Collaborative and Contributive (C&C) model; Trust dynamics (search for similar items in EconPapers)
JEL-codes: I13 (search for similar items in EconPapers)
Date: 2025
New Economics Papers: this item is included in nep-rmg
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Persistent link: https://EconPapers.repec.org/RePEc:zbw:esprep:315551

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