Optimal demand for treatment and health insurance under multivariate preferences
在多元偏好框架下，分析了财富、健康状况、保费、治疗成本和健康损失严重性变化对治疗与健康保险需求的影响，发现需求变化取决于对财富与健康相关性的态度，对政府补贴和健康促进政策有启示。
Abstract Health insurance mitigates health risks by covering the cost of treatment, but it also reduces the financial risk associated with those costs. In a multivariate preference framework, this study analyzes the effects of changes in wealth, health status, insurance premiums, treatment costs, and the severity of health loss on the demand for treatment and health insurance in the face of health loss. The conditions under which demand for treatment and insurance increases depend on the attitude toward the correlation between wealth and health, namely, correlation loving or correlation aversion, as well as the attitude toward wealth and health risks. These findings have implications for government subsidization policies related to treatment and health insurance and health promotion policies.