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Why do individuals buy medical insurance? Typical principle holds that folks buy insurance coverage as a result of they like the knowledge of paying a small premium to the danger of getting sick and paying a big medical invoice. Typical principle additionally holds that any further well being care that buyers buy as a result of they’ve insurance coverage just isn’t value the fee of producing it. Subsequently, economists have promoted insurance policies—copayments and managed care—to scale back consumption of this extra, seemingly low-worth care.
This book presents a brand new concept of shopper demand for medical insurance. It holds that folks buy insurance coverage to acquire further revenue once they grow to be unwell. In impact, insurance coverage corporations act to switch insurance coverage premiums from those that stay wholesome to those that develop into sick. This extra revenue generates purchases of further high-worth care, typically permitting sick individuals to acquire life-saving care that they might not in any other case afford.
Relating to danger, the brand new concept depends on empirical research displaying that buyers truly choose the danger of a big loss to incurring a smaller loss with certainty. Subsequently, if shoppers buy insurance coverage, it just isn’t as a result of they want to keep away from danger. As an alternative, the brand new principle suggests shoppers merely pay a premium when wholesome in change for a declare on further revenue (effected when insurance coverage pays for the medical care) in the event that they turn into unwell.
Health insurance coverage is considerably extra helpful to the buyer underneath the brand new principle. The new principle furthermore implies that copayments and managed care—central well being insurance policies of the final 30 years—have been directed at fixing issues that largely didn’t exist. As a result of these insurance policies both decreased the quantity of revenue transferred to unwell individuals or restricted entry to beneficial well being care, they could have carried out extra hurt than good. The new concept additionally offers a strong theoretical justification for insuring the uninsured and for implementing nationwide medical insurance.
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