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The effect of supplemental private health insurance on health care use, health and welfare in Brazil.
iHEA 2007 6th World Congress: Explorations in Health Economics, July 8-11, 2007, Copenhagen, Denmark. Dartmouth, Nova Scotia, Canada, International Health Economics Association, 2007 Jun; :1
Health insurance programs in developing countries are often intended to allow citizens to gain access to health care, but according to conventional theory, this additional care-moral hazard-is welfare-decreasing. Adopting an alternative perspective that the welfare of this additional care is theoretically indeterminable, we use Brazilian data to estimate the improvement in health status associated with supplemental private health insurance and model the change in welfare based on these effectiveness results and parameters taken from the literature. We find the cost of a quality-adjusted life year gained through health insurance is consistent with cost-utility ratios that are likely welfare-increasing.
Demographic-characteristics; Health-programs; Health-protection; Health-services; Medical-care; Medical-services; Qualitative-analysis; Racial-factors Statistical-analysis; Author Keywords: health insurance; welfare; Brazil; moral hazard
John A. Nyman, University of Minnesota - Twin Cities, Division of Health Policy and Management, Division of Health Services Research, 516 Delaware St SE, Minneapolis, MN 55455
iHEA 2007 6th World Congress: Explorations in Health Economics, July 8-11, 2007, Copenhagen, Denmark
University of Minnesota Twin Cities