Segmentação da demanda dos planos e seguros privados de saúde: uma análise das informações da PNAD/98

Ciência & Saúde Coletiva

Ligia Bahia¹  Antonio José Leal Costa¹  Cristiano Fernandes²  Ronir Raggio Luiz¹  Maria De Lourdes T. Cavalcanti¹ 

[1] ,Universidade Federal do Rio de Janeiro Núcleo de Estudos de Saúde Coletiva Hospital UniversitárioRio de Janeiro RJ

关键词: Private health plans;    Market failures;    Asymmetric information;    Planos privados de saúde;    Falhas de mercado;    Assimetria de informação;   

DOI  :  10.1590/S1413-81232002000400006

来源: SciELO

【 摘 要 】

The authors investigate the extent to which adverse selection and moral hazard influence private health insurance demand in Brazil, based on the 1998 National Socioeconomic and Health Survey. Three population groups were compared, namely the one whose private health insurance was acquired by their employers, a second group whose insurance was individually acquired directly from insurance providers, and finally the one without any type of private health insurance and exclusively assisted by public health services. A taxonomy of health insurance plans was developed, and other covariates were also considered in the analysis, namely health states, health care services use, and health insurance coverage. The results suggest the occurrence of both types of market failures. Private health insurance coverage was found to be associated with unfavorable self-reported health states while the type of coverage appears to be associated with a more frequent use of health services. Multivariate logistic regression analyses, with multiple controls, showed that only health care expenditures remained associated with both adverse selection and moral hazard. Although a clear cut pattern of asymmetric information was not observed, results point out the need to further investigate the relations among morbidity, health care services use, health care expenditures and the varying types of health insurance plans.

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