Basic versus supplementary health insurance: Access to care and the role of cost effectiveness
研究了在患者面临预算约束的情况下，哪些治疗应由全民基本保险覆盖，哪些应由私人自愿保险覆盖，发现除成本效果外，患病率对政府最大化健康预算的福利收益也很重要。
In a model where patients face budget constraints that make some treatments unaffordable without health insurance, we ask which treatments should be covered by universal basic insurance and which by private voluntary insurance. We argue that next to cost effectiveness, prevalence is important if the government wants to maximize the welfare gain that it gets from its health budget. Conditions are derived under which basic insurance should cover treatments that are mainly used by high risk agents with low income.