실손형 의료보험에 대한 본인부담금 보장 금지가 도덕적 해이에 미치는 영향

초록

This paper analyzes how the banning of the coverage of patient’s responsibility payment by private health insurance affects the ex-post moral hazard of consumers. For this purpose,we use a standard consumer utility maximization model by adopting a commodity space that consists of medical service and expenditures on other goods. According to the analysis, such banning effectively sets a lower bound on the relative price of the medical service. However, its effect on the quantity demanded of medical service is ambiguous. It is also shown that adjusting the level of deductibles or coinsurance rate may have a similar effect. Therefore, from the theoretical point of view, it seems hard to make a strong case for such banning.

키워드