Modeling the political choice of public health insurance

IF 1.3 Q3 MATHEMATICS, INTERDISCIPLINARY APPLICATIONS Frontiers in Applied Mathematics and Statistics Pub Date : 2023-04-17 DOI:10.3389/fams.2023.961158
Abdou Khadre Dit Jadir Fall
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Abstract

This article aimed to study the choice that people have to make between two health insurance systems in a monopolistic scheme. The first health insurance system proposes a uniform contribution level and the second one proposes a contribution level that is proportional to the probability of getting sick. The individuals differ (or are distinguished) by their number in a group, the net income, the contribution level, the probability of getting sick, and health cost. Two kinds of voting models using the welfare function are used; a direct vote that involves a size effect and a probabilistic vote that involves a bias in favor of one system. The results, according to theoretical models, indicate that a uniform contribution level is adopted by high-risk individuals and also if wealth and illness are strongly negatively correlated. However, when wealth and illness are not correlated or are poorly correlated, a contribution proportional to the probability of getting sick is adopted. These results were explained by the fact that the loss of wellbeing for low-income and sick people is more important.
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公共医疗保险的政治选择模型
本文旨在研究在垄断计划中,人们必须在两种医疗保险制度之间做出的选择。第一个健康保险系统提出了一个统一的缴费水平,第二个系统提出了与生病概率成比例的缴费水平。个体的差异(或区别)在于他们在一个群体中的数量、净收入、贡献水平、生病的概率和健康成本。使用了两种使用福利函数的投票模型;涉及规模效应的直接投票和涉及偏向一个系统的概率投票。根据理论模型,研究结果表明,高风险个人采用统一的贡献水平,如果财富和疾病呈强负相关,也会采用统一的水平。然而,当财富和疾病不相关或相关性较差时,会采用与患病概率成比例的贡献。这些结果的解释是,低收入人群和患病人群的福祉损失更为重要。
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来源期刊
Frontiers in Applied Mathematics and Statistics
Frontiers in Applied Mathematics and Statistics Mathematics-Statistics and Probability
CiteScore
1.90
自引率
7.10%
发文量
117
审稿时长
14 weeks
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