Abstract:

In this paper, we study the regulation of the sector regarding the healthcare insurance system and local insurance contracts in a framework of analysis taking into account the phenomena of induced demand of the medical staff and moral hazard behaviors of the policyholders. Whatever the institutional context would be (monopoly public insurer, competing insurers, national health system etc.), analysis of the organization and mechanisms for regulating the health systems is complex because it takes into account the interactions between three categories of actors: 1) the insurer, 2) healthcare treatment suppliers and 3) policyholders, the latter eventually becoming patients.