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Essays on the economics of industria...

Palmucci, Gaston Ariel.

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Essays on the economics of industrial organization.

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	Essays on the economics of industrial organization./
作者:	Palmucci, Gaston Ariel.
面頁冊數:	95 p.
附註:	Source: Dissertation Abstracts International, Volume: 76-01(E), Section: A.
Contained By:	Dissertation Abstracts International76-01A(E).
標題:	Commerce-Business. -
電子資源:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3636198
ISBN:	9781321176698

Essays on the economics of industrial organization.
Palmucci, Gaston Ariel.

Essays on the economics of industrial organization. - 95 p.

Source: Dissertation Abstracts International, Volume: 76-01(E), Section: A.

Thesis (Ph.D.)--The University of Wisconsin - Madison, 2014.

This dissertation focuses on the industrial organization of Chilean health insurance markets. Chile is a particularly interesting case for study because in additional to the legality of risk-rated pricing, the purchase of insurance is mandated and a robust private health insurance market coexist with a large public sector plan. While the institutional background is different in several important ways from the United States, the regulations employed in the private market and studied here are very similar to those used in the Massachusetts Health Insurance Exchange, upon which the Affordable Care Act exchanges were modeled.

ISBN: 9781321176698Subjects--Topical Terms:

3168423
Commerce-Business.

Essays on the economics of industrial organization.
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245 1 0 $a Essays on the economics of industrial organization.
300 $a 95 p.
500 $a Source: Dissertation Abstracts International, Volume: 76-01(E), Section: A.
500 $a Adviser: Alan T. Sorensen.
502 $a Thesis (Ph.D.)--The University of Wisconsin - Madison, 2014.
520 $a This dissertation focuses on the industrial organization of Chilean health insurance markets. Chile is a particularly interesting case for study because in additional to the legality of risk-rated pricing, the purchase of insurance is mandated and a robust private health insurance market coexist with a large public sector plan. While the institutional background is different in several important ways from the United States, the regulations employed in the private market and studied here are very similar to those used in the Massachusetts Health Insurance Exchange, upon which the Affordable Care Act exchanges were modeled.
520 $a In the first chapter, which is a joint work with Laura Dague, we study the welfare consequences of a switch from risk-rated premiums to community-rated premiums using a two stage model of health insurance demand and detailed claims data from Chilean health insurers. Our results suggest that if insurers are not allowed to scale premiums based on age and sex (in accordance with a recent court ruling), a significant fraction of young, healthy individuals will opt out of the private insurance market, raising the average cost of insuring those who remain. Chilean consumers in aggregate are likely to be worse off under community-rated premiums. While consumers may perceive uniform prices as more equitable, they are less efficient in this market.
520 $a In the second chapter, we take advantage of discontinuities in the structure of Chilean Private health insurance market to identify the price elasticity of demand for health insurance. Under Chilean law, private health insurance firms may charge different prices to consumers on the basis of age and sex using a predetermined multiplicative factor. This creates discontinuities at each age where the price of the plan changes exogenously. We use this age-based pricing scheme to identify the elasticity of demand for insurance. Our estimates suggest that demand is relatively inelastic; in particular, there seems to be limited switching of insurance plans when consumers a price increase despite a wide variety of plans available on the market and a minimum requirement that a substantial number of consumers initially opt for. The elasticity is heterogeneous across consumers.
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