El Departamento de Economía de la Universidad de Chile tiene el agrado de invitar a usted a un nuevo Seminario Académico:

Título - Health Care Reform and Health Insurance Selection in Chile

Autores - Cristian Pardo (Saint Joseph's University)

Presentador - Cristian Pardo

Resumen - This paper builds and estimates a structural, dynamic choice model using panel data from Chile in order to examine the impact on health insurance selection of a major component of Chiles health care reform: the GES plan. This plan provides guarantees in coverage and benefits to several conditions in the context of a health insurance system where public and private health insurers co-exist. Differences in the structure of premiums, benefits and out-of-pocket medical costs imply that riskier individuals are more likely to choose public insurance (adverse selection). In addition, pre-existing condition restrictions in the private system imply that insurance selection is a dynamic process in that current insurance choices can affect future health insurance selections. The introduction of the GES plan may also affect health insurance choices due to differences in costs and benefits across insurance systems. Estimation results suggest that individuals affected by pre-existing condition restrictions would be willing to pay in order to gain access to private insurance and the GES plan seems to have significantly reduced out-of-pocket medical costs to people affected by the covered illnesses, even if they were contracted outside the private system. In addition, females, older individuals and the less educated are in fact less likely to choose private insurance. Simulations on the impact of the introduction of the GES plan on health insurance selection suggest an overall participation change towards the public system of about 5 percentage points, and it is stronger for the young and the healthy, as wells as for males and the higher educated. This result signals that the reform may have eased somewhat adverse selection problems in Chiles health care system as it has drawn low-risk individuals towards the public system

El  Seminario  se realizará el miércoles 29 de julio de 13:00 a 14:00 hrs, en  la Sala P-307 Tercer Piso del edificio Placa de la Facultad de Economía y Negocios de la Universidad de Chile, ubicada en Diagonal Paraguay 257.