IDEAS home Printed from https://ideas.repec.org/p/ila/ilades/inv198.html
   My bibliography  Save this paper

Planes Mínimos Obligatorios en Mercados de Seguros de Salud Segmentados

Author

Listed:

Abstract

El trabajo analiza el efecto de la introducción de un plan mínimo obligatorio de prestaciones (PMO) que tanto el seguro público como los seguros privados deben cubrir. El análisis se realiza considerando la existencia de un mercado de seguros de salud segmentado en el sentido que, previo a la introducción del PMO, el seguro público sólo atiende a individuos de alto riesgo y los seguros privados sólo a individuos de riesgo bajo (la segmentación se obtiene de manera endógena en el modelo). Al caracterizar el equilibrio una vez que se introduce la reforma se puede constatar cómo la situación de los individuos de alto riesgo mejora en tanto que la de los de bajo riesgo empeora. La reforma introduce indirectamente un mecanismo de subsidios implícitos que otorgan cierta “solidaridad” al sistema, aun cuando la reforma no lo promueva de manera explícita mediante mecanismos de compensación de riesgos. Se demuestra que para que este mecanismo opere y la reforma tenga algún impacto es imprescindible que se regulen tanto el precio como la calidad asociados al PMO y que el regulador tenga la capacidad de hacer cumplir que los privados efectivamente tengan el PMO disponible para todos los tipos de asegurados.

Suggested Citation

  • Edmundo Beteta & Manuel Willington, 2007. "Planes Mínimos Obligatorios en Mercados de Seguros de Salud Segmentados," ILADES-UAH Working Papers inv198, Universidad Alberto Hurtado/School of Economics and Business.
    • Handle: RePEc:ila:ilades:inv198
    as

    Download full text from publisher

    File URL: http://fen.uahurtado.cl/wp-content/uploads/2010/07/inv198.pdf
    Download Restriction: no
    ---><---

    Other versions of this item:

    References listed on IDEAS

    as
    1. Nicolas R. Ziebarth & Martin Karlsson, 2014. "The Effects Of Expanding The Generosity Of The Statutory Sickness Insurance System," Journal of Applied Econometrics, John Wiley & Sons, Ltd., vol. 29(2), pages 208-230, March.
    2. Jan Erik Askildsen & Espen Bratberg & Øivind Anti Nilsen, 2005. "Unemployment, labor force composition and sickness absence: a panel data study," Health Economics, John Wiley & Sons, Ltd., vol. 14(11), pages 1087-1101, November.
    3. Ziebarth, Nicolas R. & Karlsson, Martin, 2010. "A natural experiment on sick pay cuts, sickness absence, and labor costs," Journal of Public Economics, Elsevier, vol. 94(11-12), pages 1108-1122, December.
    4. Maria De Paola & Valeria Pupo & Vincenzo Scoppa, 2009. "Absenteeism In The Italian Public Sector: The Effects Of Changes In Sick Leave Compensation," Working Papers 200916, Università della Calabria, Dipartimento di Economia, Statistica e Finanza "Giovanni Anania" - DESF.
    5. Georges Dionne & Benoit Dostie, 2007. "New Evidence on the Determinants of Absenteeism Using Linked Employer-Employee Data," ILR Review, Cornell University, ILR School, vol. 61(1), pages 108-120, October.
    6. Rigmar Osterkamp & Oliver Röhn, 2007. "Being on Sick Leave: Possible Explanations for Differences of Sick-leave Days Across Countries," CESifo Economic Studies, CESifo Group, vol. 53(1), pages 97-114, March.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Willington Manuel & Alegría Alexander, 2012. "Collusion in a One-Period Insurance Market with Adverse Selection," The B.E. Journal of Economic Analysis & Policy, De Gruyter, vol. 12(1), pages 1-32, April.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Daniel S. J. Lechmann & Claus Schnabel, 2014. "Absence from Work of the Self-Employed: A Comparison with Paid Employees," Kyklos, Wiley Blackwell, vol. 67(3), pages 368-390, August.
    2. Ziebarth, Nicolas R., 2013. "Long-term absenteeism and moral hazard—Evidence from a natural experiment," Labour Economics, Elsevier, vol. 24(C), pages 277-292.
    3. René Böheim & Thomas Leoni, 2014. "Firms' Sickness Costs and Workers' Sickness Absences," NBER Working Papers 20305, National Bureau of Economic Research, Inc.
    4. Pichler, Stefan & Ziebarth, Nicolas R., 2015. "The Pros and Cons of Sick Pay Schemes: A Method to Test for Contagious Presenteeism and Shirking Behavior," VfS Annual Conference 2015 (Muenster): Economic Development - Theory and Policy 112940, Verein für Socialpolitik / German Economic Association.
    5. Ziebarth, Nicolas R. & Karlsson, Martin, 2010. "A natural experiment on sick pay cuts, sickness absence, and labor costs," Journal of Public Economics, Elsevier, vol. 94(11-12), pages 1108-1122, December.
    6. Pouliakas, Konstantinos & Theodossiou, Ioannis, 2010. "An Inquiry Into The Theory, Causes And Consequences Of Monitoring Indicators Of Health And Safety At Work," SIRE Discussion Papers 2010-120, Scottish Institute for Research in Economics (SIRE).
    7. Stefan Pichler & Nicolas R. Ziebarth, 2015. "The Pros and Cons of Sick Pay Schemes: Testing for Contagious Presenteeism and Shirking Behavior," Discussion Papers of DIW Berlin 1509, DIW Berlin, German Institute for Economic Research.
    8. Pichler, Stefan & Ziebarth, Nicolas R., 2019. "Reprint of: The pros and cons of sick pay schemes: Testing for contagious presenteeism and noncontagious absenteeism behavior," Journal of Public Economics, Elsevier, vol. 171(C), pages 86-104.
    9. Stefan Pichler & Nicolas R. Ziebarth, 2020. "Labor Market Effects of U.S. Sick Pay Mandates," Journal of Human Resources, University of Wisconsin Press, vol. 55(2), pages 611-659.
    10. Manuel Denzer & Philipp Grunau, 2024. "The impacts of working from home on individual health and well-being," The European Journal of Health Economics, Springer;Deutsche Gesellschaft für Gesundheitsökonomie (DGGÖ), vol. 25(5), pages 743-762, July.
    11. Daniel Arnold & Tobias Brändle & Laszlo Goerke, 2014. "Sickness Absence and Works Councils - Evidence from German Individual and Linked Employer-Employee Data," IAAEU Discussion Papers 201410, Institute of Labour Law and Industrial Relations in the European Union (IAAEU).
    12. Pichler, Stefan & Ziebarth, Nicolas R., 2017. "The pros and cons of sick pay schemes: Testing for contagious presenteeism and noncontagious absenteeism behavior," Journal of Public Economics, Elsevier, vol. 156(C), pages 14-33.
    13. Kieu‐Dung Nguyen & Van‐AnhThi Tran & Duc‐Thanh Nguyen, 2021. "Social insurance reform and absenteeism in Vietnam," International Journal of Social Welfare, John Wiley & Sons, vol. 30(2), pages 193-207, April.
    14. René Böheim & Thomas Leoni, 2020. "Do Employees’ Sickness Absences React to a Change in Costs for Firms? Evidence from a Natural Experiment," Scandinavian Journal of Economics, Wiley Blackwell, vol. 122(2), pages 553-581, April.
    15. Catherine Pollak, 2017. "The impact of a sick pay waiting period on sick leave patterns," The European Journal of Health Economics, Springer;Deutsche Gesellschaft für Gesundheitsökonomie (DGGÖ), vol. 18(1), pages 13-31, January.
    16. Arnold, Daniel & Brändle, Tobias & Goerke, Laszlo, 2013. "Sickness Absence, Works Councils, and Personnel Problems. Evidence from German Individual and Linked Employer-Employee Data," VfS Annual Conference 2013 (Duesseldorf): Competition Policy and Regulation in a Global Economic Order 79906, Verein für Socialpolitik / German Economic Association.
    17. Eliason, Marcus & Johansson, Per & Nilsson, Martin, 2019. "Forward-looking moral hazard in social insurance," Labour Economics, Elsevier, vol. 60(C), pages 84-98.
    18. Manuel Denzer & Philipp Grunau, 2021. "The Impacts of Working from Home on Individual Health and Well-being," Working Papers 2106, Gutenberg School of Management and Economics, Johannes Gutenberg-Universität Mainz.
    19. Daniel Arnold & Tobias Brändle & Laszlo Goerke, 2018. "Sickness Absence and Works Councils: Evidence from German Individual and Linked Employer–Employee Data," Industrial Relations: A Journal of Economy and Society, Wiley Blackwell, vol. 57(2), pages 260-295, April.
    20. Thomas Leoni & Helmut Mahringer, 2008. "Fehlzeitenreport 2008. Krankheits- und unfallbedingte Fehlzeiten in Österreich," WIFO Studies, WIFO, number 34220.

    More about this item

    Keywords

    seguros de salud; planes mínimos obligatorios; competencia administrada;
    All these keywords.

    JEL classification:

    • I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ila:ilades:inv198. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Mauricio Tejada (email available below). General contact details of provider: https://edirc.repec.org/data/deilacl.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.