Health Insurance
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Week 2
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- Private insurance
Week 2 Health insurance Health Insurance protection against income variability due to illness by pooling risks over a large number of people income variability- daromadning o'zgaruvchanligi by pooling risks- xavflarni birlashtirish orqali Consumer pays the insurer a premium-( sug'urta puli) to cover medical expenses the following year Insurer- sug'urtalovchi Premium might be eventually higher or lower than what their actual medical expenses are Insurer can pool (distribute) the risk among many consumers, such that sum of the premiums will be larger than the total medical expenses Ideally, number of insured should be large, and they should be independently exposed to potential loss independently exposed to potential loss- potentsial yo'qotishlarga mustaqil ravishda duchor bo'ladi Private insurance: provide through markets; buyers protect themselves against rare events with probabilities that can be statistically estimated Public insurance: any government sponsored program, often mandatory funded by taxes and/or premiums paid by participants any government sponsored program- hukumat tomonidan homiylik qilinadigan har qanday dastur Premiums are often heavily subsidized ▶ Participation is constrained according to government-set eligibility rules or universal (to cover full population) ▶ Ex.1: USA - Medicare and Medicaid, premium are subsidized and participation is restricted ▶ Ex.2: Czech rep. - compulsory insurance with premiums that not risk rated (but progressive with income) Constrained- constrained eligibility rules- muvofiqlik qoidalari subsidized- subsidiyalangan restricted- cheklangan compulsory insurance- majburiy sug'urta Download 14.58 Kb. Do'stlaringiz bilan baham: |
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