Private supplemental health insurance: retirees' demand

Carine Franc (), Marc Perronnin () and Aurélie Pierre ()
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Carine Franc: CERMES centre de recherche medecine, sciences, sante et societe

No DT9, Working Papers from IRDES institut for research and information in health economics

Abstract: In France, private health insurance, that supplements public health insurance, is essential for access to health care. About 90% of the population is covered by a private contract and around half of them obtain their coverage through their employer. Considering the financial benefits associated with group contracts compared to individual contracts, we assume that the switching behaviors vary among different beneficiaries during the transition to retirement. Indeed, despite a 1989 law, the gap in premiums increases at retirement between group and individual contracts affords the opportunity to study the marginal price effect on switching behaviors. In this study, we consider the nature of the contract prior to retirement (compulsory or voluntary membership group contract and individual contract) as an indirect measure of the price effect. We focus on its role and check for a large number of individual characteristics that may influence the new retirees' health insurance demand.

Keywords: private health insurance; retirement; switching behavior (search for similar items in EconPapers)
JEL-codes: D12 G22 I19 (search for similar items in EconPapers)
Pages: 16 pages
Date: 2008-04, Revised 2008-04
New Economics Papers: this item is included in nep-age, nep-hea and nep-ias
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (2)

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https://www.irdes.fr/EspaceAnglais/Publications/Wo ... eHealthInsurance.pdf First version, 2008 (application/pdf)

Related works:
Journal Article: Private Supplementary Health Insurance: Retirees' Demand (2008)
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