医疗保险的市场力量:再论医疗改革对规范竞争的影响

IF 2.8 3区 经济学 Q2 BUSINESS, FINANCE
Jacob A. Bikker, Jack G. J. Bekooij
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引用次数: 0

摘要

荷兰在 2006 年进行了医疗保险改革,用单一的强制医疗保险计划取代了公共和私人保险双轨制,保险机构在自由市场中争夺客户。本文研究了医疗保险公司之间的竞争是否确实加剧,其效率是否确实提高。我们利用荷兰的监管数据,直接从市场份额的变化或利润的发展来衡量竞争。我们发现,改革后出现了结构性突破:2006 年后的竞争明显高于改革前。这既适用于基于市场份额变化的分析,也适用于基于利润的分析。若干稳健性检验证实了这一结果。因此,改革产生了重大影响。尽管如此,我们发现医疗保险行业的竞争力仍然低于银行和人寿保险等金融行业。
本文章由计算机程序翻译,如有差异,请以英文原文为准。

Market forces in healthcare insurance: The impact of healthcare reform on regulated competition revisited

Market forces in healthcare insurance: The impact of healthcare reform on regulated competition revisited

The Dutch healthcare insurance reform in 2006 replaced the dual system of public and private insurance with a single compulsory health insurance scheme, in which insurance providers compete for customers in a free market. This paper investigates whether competition among healthcare insurers has indeed increased and their efficiency has improved. We measure competition directly from either shifts in market shares, or developments in profits, using Dutch regulatory data. We find that a structural break occurs after the reform: competition is significantly higher after 2006 than before. This holds both for the analysis based on shifts in market shares and that based on profits. Several robustness tests confirm this outcome. Hence, the reform has had a significant impact. Nevertheless, we find that the health insurance sector is still less competitive than financial sectors such as banking and life insurance.

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CiteScore
5.70
自引率
6.90%
发文量
143
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