解释长期护理保险难题：相关性偏好和生活质量偏好在财富中的作用

IF 3.6 2区经济学 Q1 ECONOMICS

Journal of Health Economics Pub Date : 2025-07-17 DOI:10.1016/j.jhealeco.2025.103030

David Crainich , Léontine Goldzahl , Florence Jusot , Doriane Mignon

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引用次数: 0

摘要

本文调查了长期护理保险的两个需求侧决定因素的作用：相关性偏好和相对偏好的生活质量比财富。我们建立了这些偏好对购买长期护理和长期护理保险合同的共同决策的影响模型。我们使用法国实验室实验的数据来测试该模型。虽然实验结果仅为理论预测提供部分支持，特别是，相关性厌恶不能解释过度保险，但我们的分析提供了证据，证明相关性寻求和相对于财富的生活质量的相对偏好解释了长期护理保险的有限吸收。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Explaining the long-term care insurance puzzle: The role of preferences for correlation and for quality of life over wealth

The paper investigates the role of two demand-side determinants of long-term care insurance: correlation preference and relative preference for quality of life over wealth. We model the effect of those preferences on the joint decision to buy long-term care and long-term care insurance contract. We test the model using data from a laboratory experiment in France. While the experimental results offer only partial support for the theoretical predictions—specifically, correlation aversion does not account for over-insurance, our analysis provides evidence that correlation seeking and the relative preference for quality of life over wealth explain the limited uptake of long-term care insurance.

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来源期刊

Journal of Health Economics 医学-卫生保健

CiteScore

6.10

自引率

2.90%

发文量

审稿时长

49 days

期刊介绍： This journal seeks articles related to the economics of health and medical care. Its scope will include the following topics: Production and supply of health services; Demand and utilization of health services; Financing of health services; Determinants of health, including investments in health and risky health behaviors; Economic consequences of ill-health; Behavioral models of demanders, suppliers and other health care agencies; Evaluation of policy interventions that yield economic insights; Efficiency and distributional aspects of health policy; and such other topics as the Editors may deem appropriate.