Within the framework of matching data between the Insee’s 2002-2003 Decennial Health Survey and t... more Within the framework of matching data between the Insee’s 2002-2003 Decennial Health Survey and the Centres for Health Examinations (CES), we compared the double collection declared and measured for three cardiovascular risk factors: obesity, arterial hypertension and hypercholesterolemia.The survey group was made up of 1889 subjects, of which 51.6% were women. Regardless of the risk factor studied, the subjects under-declared their health problem in the study with respect to the diagnosis made in the CES Centres. According to the information collected from these declarations, the rate of obesity was 9.6%, the rate of hypertension was 11.4% and the rate of hypercholesterolemia was 9.2%. In comparison, these rates were respectively 13.7%, 19.1% and 14.4% when diagnosed. In the case of obesity, under-declaration appears to be linked to a slight fault in evaluation, whether it is intentional or not. On the other hand, it is probable that the high level of under-declaration of arterial hypertension is due to the subjects’ lack of awareness of the problem.
I n s t i t u t e f o r R e s e a r c h a n d I n f o r m a t i o n i n H e a l t h E c o n o m i... more I n s t i t u t e f o r R e s e a r c h a n d I n f o r m a t i o n i n H e a l t h E c o n o m i c s no 150-January 2010 According to economic theory, individuals choose their insurance cover levels in virtue of anticipated health expenditures. Thus, they partially reveal their health risks. Yet, on the French health insurance market this hypothesis, known as 'adverse-selection', has only been tested on the supplementary health insurance purchase decision. However, the supplementary health insurance market is extremely heterogeneous, at least in the same way as beneficiaries' health risk levels. Between July 1st 2003 and December 31st 2006, a mutual insurance fund for state employees (Mutuelle générale de l'équipement et des territoires) offered existing holders of its supplementary cover ('MGET basic') an additional health coverage ('MGET+'). This particular context, where individuals covered from the same supplementary health insurance decide to pu...
On retirement, many complementary health insurance contract holders change provider: this is inde... more On retirement, many complementary health insurance contract holders change provider: this is indeed the case for 51% of compulsory group contract holders, 39% of voluntary group contract holders and 23% of individual contract holders. The higher mobility rates observed among group contract holders – especially those with a compulsory contract – can be confirmed after controlling for other characteristics that may explain this greater mobility, in particular their health status. This reflects the impact of the increase in group contract premiums for recently retired people, an increase that is primarily due to the loss of both group pricing and the employer’s contribution. Their greater mobility may also mean that cover designed for a group of employees does not meet retirees’ health care needs. Mobility also depends on the type of health insurance provider managing the contract before retirement: People covered by commercial insurance companies change more frequently than those with...
La proportion de beneficiaires de la CMU complementaire (CMUC) dans la clientele des medecins gen... more La proportion de beneficiaires de la CMU complementaire (CMUC) dans la clientele des medecins generalistes, specialistes ou dentistes, varie fortement d'un praticien a l'autre. En dehors de la repartition des beneficiaires de la CMUC sur le territoire, cette variabilite s'explique en partie par la nature des besoins de soins de cette population. Elle est en effet jeune, plutot feminine et caracterisee par des problemes de sante specifiques (troubles mentaux et du sommeil, maladies du systeme nerveux et de l'oreille...). L'environnement socio-economique des communes d'exercice des medecins joue egalement, notamment le niveau de revenu moyen des communes. On constate une « specialisation » relative des medecins des communes les plus defavorisees, celles-ci attirant les beneficiaires CMUC des communes avoisinantes plus riches. L'existence d'une certaine discrimination vis-a-vis des patients CMUC de la part de certains professionnels n'est pas a exclu...
If, on average, the levels of cover vary little by sector of activity, there are big differences ... more If, on average, the levels of cover vary little by sector of activity, there are big differences between companies in the same sector, depending on their size and the status of employees. Hence employees of small companies in the services sector and to an even greater extent in the manufacturing sector, are for the most part excluded from group health insurance schemes; whereas the construction sector, in contrast to the manufacturing sector, makes little distinction between managers and non-managers in terms either of access to company schemes or the levels of cover offered. At the end of 2003, IRDES carried out a survey of company supplementary social protection (PSCE) in a sample of companies with at least one employee. The objective was to add to the information on company schemes available from the Health and Social Protection survey of 7000 households carried out every two years. According to this survey, over half of employees benefit from supplementary insurance through thei...
Within the framework of matching data between the Insee’s 2002-2003 Decennial Health Survey and t... more Within the framework of matching data between the Insee’s 2002-2003 Decennial Health Survey and the Centres for Health Examinations (CES), we compared the double collection declared and measured for three cardiovascular risk factors: obesity, arterial hypertension and hypercholesterolemia.The survey group was made up of 1889 subjects, of which 51.6% were women. Regardless of the risk factor studied, the subjects under-declared their health problem in the study with respect to the diagnosis made in the CES Centres. According to the information collected from these declarations, the rate of obesity was 9.6%, the rate of hypertension was 11.4% and the rate of hypercholesterolemia was 9.2%. In comparison, these rates were respectively 13.7%, 19.1% and 14.4% when diagnosed. In the case of obesity, under-declaration appears to be linked to a slight fault in evaluation, whether it is intentional or not. On the other hand, it is probable that the high level of under-declaration of arterial hypertension is due to the subjects’ lack of awareness of the problem.
I n s t i t u t e f o r R e s e a r c h a n d I n f o r m a t i o n i n H e a l t h E c o n o m i... more I n s t i t u t e f o r R e s e a r c h a n d I n f o r m a t i o n i n H e a l t h E c o n o m i c s no 150-January 2010 According to economic theory, individuals choose their insurance cover levels in virtue of anticipated health expenditures. Thus, they partially reveal their health risks. Yet, on the French health insurance market this hypothesis, known as 'adverse-selection', has only been tested on the supplementary health insurance purchase decision. However, the supplementary health insurance market is extremely heterogeneous, at least in the same way as beneficiaries' health risk levels. Between July 1st 2003 and December 31st 2006, a mutual insurance fund for state employees (Mutuelle générale de l'équipement et des territoires) offered existing holders of its supplementary cover ('MGET basic') an additional health coverage ('MGET+'). This particular context, where individuals covered from the same supplementary health insurance decide to pu...
On retirement, many complementary health insurance contract holders change provider: this is inde... more On retirement, many complementary health insurance contract holders change provider: this is indeed the case for 51% of compulsory group contract holders, 39% of voluntary group contract holders and 23% of individual contract holders. The higher mobility rates observed among group contract holders – especially those with a compulsory contract – can be confirmed after controlling for other characteristics that may explain this greater mobility, in particular their health status. This reflects the impact of the increase in group contract premiums for recently retired people, an increase that is primarily due to the loss of both group pricing and the employer’s contribution. Their greater mobility may also mean that cover designed for a group of employees does not meet retirees’ health care needs. Mobility also depends on the type of health insurance provider managing the contract before retirement: People covered by commercial insurance companies change more frequently than those with...
La proportion de beneficiaires de la CMU complementaire (CMUC) dans la clientele des medecins gen... more La proportion de beneficiaires de la CMU complementaire (CMUC) dans la clientele des medecins generalistes, specialistes ou dentistes, varie fortement d'un praticien a l'autre. En dehors de la repartition des beneficiaires de la CMUC sur le territoire, cette variabilite s'explique en partie par la nature des besoins de soins de cette population. Elle est en effet jeune, plutot feminine et caracterisee par des problemes de sante specifiques (troubles mentaux et du sommeil, maladies du systeme nerveux et de l'oreille...). L'environnement socio-economique des communes d'exercice des medecins joue egalement, notamment le niveau de revenu moyen des communes. On constate une « specialisation » relative des medecins des communes les plus defavorisees, celles-ci attirant les beneficiaires CMUC des communes avoisinantes plus riches. L'existence d'une certaine discrimination vis-a-vis des patients CMUC de la part de certains professionnels n'est pas a exclu...
If, on average, the levels of cover vary little by sector of activity, there are big differences ... more If, on average, the levels of cover vary little by sector of activity, there are big differences between companies in the same sector, depending on their size and the status of employees. Hence employees of small companies in the services sector and to an even greater extent in the manufacturing sector, are for the most part excluded from group health insurance schemes; whereas the construction sector, in contrast to the manufacturing sector, makes little distinction between managers and non-managers in terms either of access to company schemes or the levels of cover offered. At the end of 2003, IRDES carried out a survey of company supplementary social protection (PSCE) in a sample of companies with at least one employee. The objective was to add to the information on company schemes available from the Health and Social Protection survey of 7000 households carried out every two years. According to this survey, over half of employees benefit from supplementary insurance through thei...
Uploads
Papers by Marc Perronnin