Mutual principles and the restructuring of the mutual health insurance sector

Los principios mutualistas confrontados a las modalidades de agrupación de los organismos complementarios de salud

Philippe Abecassis (philippe.abecassis@univ-paris13.fr), Nathalie Coutinet (nathalie.coutinet@gmail.com) and Jean-Paul Domin (jp.domin@univ-reims.fr)
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Nathalie Coutinet: CEPN - Centre d'Economie de l'Université Paris Nord - UP13 - Université Paris 13 - USPC - Université Sorbonne Paris Cité - CNRS - Centre National de la Recherche Scientifique
Jean-Paul Domin: REGARDS - Recherches en Économie Gestion AgroRessources Durabilité Santé- EA 6292 - URCA - Université de Reims Champagne-Ardenne - MSH-URCA - Maison des Sciences Humaines de Champagne-Ardenne - URCA - Université de Reims Champagne-Ardenne

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Abstract: The first mutuals, created in the 19th century, were based on fundamental principles (solidarity, against the profit motive, democracy, open membership, and the well-being of members). Today, mutual health insurers operate in a sector where competition from conventional companies is growing and prudential rules are becoming more constraining. These changes are leading them to greater concentration. This article examines various aspects of this situation and shows how these changes may involve rethinking the founding principles.

Keywords: Solvency 2; Organismes complémentaires d'assurance maladie; Concentration (search for similar items in EconPapers)
Date: 2014
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Published in Revue Internationale de l'Economie Sociale, 2014, 331, pp.60-75

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-01418416

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