Généralisation de la complémentaire santé d’entreprise. Une évaluation ex-ante des gains et des pertes de bien-être

Aurélie Pierre, Florence Jusot, Denis Raynaud and Carine Franc ()
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Aurélie Pierre: IRDES - Institut de Recherche et Documentation en Economie de la Santé - Université Paris Dauphine-PSL - PSL - Université Paris Sciences et Lettres, LEDa - Laboratoire d'Economie de Dauphine - Université Paris Dauphine-PSL - PSL - Université Paris Sciences et Lettres
Denis Raynaud: IRDES - Institut de Recherche et Documentation en Economie de la Santé - Université Paris Dauphine-PSL - PSL - Université Paris Sciences et Lettres
Carine Franc: CESP - Centre de recherche en épidémiologie et santé des populations - UVSQ - Université de Versailles Saint-Quentin-en-Yvelines - UP11 - Université Paris-Sud - Paris 11 - AP-HP - Assistance publique - Hôpitaux de Paris (AP-HP) - Hôpital Paul Brousse - INSERM - Institut National de la Santé et de la Recherche Médicale

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Abstract: The ANI reform mandates all private sector employers to offer sponsored Complementary Health Insurance (CHI) to all of their employees beginning on January 1st, 2016. This research simulates the likely effects of this mandate on the welfare of the population considering the Expected utility theory framework. The results show that the ANI reform may induce an increase in social welfare only if wages and CHI's premiums remain the same. Assuming that premiums of individual CHI contracts increase because of the new risks segmentation, the reform may hardly impact the social welfare. The gain in welfare that benefit private sector employees is therefore offset by the loss of welfare that suffer the individuals insured by an individual CHI contract or who chose to be uninsured before the reform. Considering in addition that employers will include their subsidy amount into wages, the reform may greatly reduce the social welfare.

Keywords: Espérance d’utilité; Aversion au risque; Complémentaire santé (search for similar items in EconPapers)
Date: 2018
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Citations: View citations in EconPapers (1)

Published in Revue Economique, 2018, 69 (3), ⟨10.3917/reco.693.0407⟩

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Journal Article: Généralisation de la complémentaire santé d’entreprise. Une évaluation ex ante des gains et des pertes de bien-être (2018)
Working Paper: Généralisation de la complémentaire santé d’entreprise: une évaluation ex ante des gains et des pertes de bien-être (2018)
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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-02430997

DOI: 10.3917/reco.693.0407

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