Titlebook: What Is Health Insurance (Good) For?; An Examination of Wh Robert D. Lieberthal Book 2016 Springer Nature Switzerland AG 2016 Health insura

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Defining Health Insurancenies, employers, and even healthcare providers. Eventually, health insurance became professionalized, moving from a bespoke product on a small scale to a large industry that financed the majority of healthcare services. Along the way, public policy and regulation played a crucial role in health insu

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The Scope of Health Insuranceure to health risks, such insurance may be too costly for individuals or unavailable in the market. Economics focuses on the choice of “optimal” health insurance, and generally finds that partial insurance is optimal for the protection of health capital in the presence of budget constraints. Optimal

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Demand for Health Insurancedifferent loading factors for different types of health insurance. The law of demand is then applied to two types of demand for health insurance—individual demand and group demand. Individual demand refers to insurance purchased in markets for individuals or households, while group demand applies to

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Producing Health Insuranceproviders, employers, and governments. Health insurance companies produce health insurance as their primary purpose. They also supply a number of different groups, including individuals, providers, employers, and government. Health insurance companies are also diverse in terms of their organization

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Matching Supply and Demandconsumers and producers leads to partial health insurance. Individuals have choices about whether to accept or reject coverage. Health insurance companies have a range of choices about what types of health insurance to offer, and which markets to participate in. Employers and governments have choice

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Group Purchasingealth insurers, especially employers and governments, have choices about what services to supply, and which services to demand on behalf of members. There is also an interplay between these two groups, as employers can adopt third-party payment systems developed for public insurance plans, and vice

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The Role of Governmentnsurance. Ultimately, any health insurance policy implemented by the government relies on the benefits of scale and scope if it is to make society better off. The trade-off for any governmental intervention are the costs arising from crowd out and deadweight loss. That trade-off leads to a considera

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Public Policy Choices is suboptimally low, while reduction refers to situations where the current quantity of coverage is suboptimally high. The section on expansion and reduction describes specific markets where expansion can improve value, as well as markets where reduction in the quantity of coverage can increase the

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Book 2016Included among the topics:.. ..·Defining health insurance and healthcare finance...·Consuming and investing in health...·The scope of health insurance and its constraints..·Matching health insurance supply and demand..·The role of government in health insurance...·Ongoing challenges and the future o