Affordability of Complementary Health Design Insurance in France : - PowerPoint PPT Presentation

Introduction Context Objectives Affordability of Complementary Health Design Insurance in France : a Social Experiment Randomised groups Data Experiment results Methodology Sophie Guthmuller 1 Florence Jusot 1 2 ome Wittwer 1 J´ erˆ Results On evaluating the impact of meeting 1 LEDa-LEGOS attendance Universit´ e Paris-Dauphine Estimation strategy Results 2 IRDES Conclusion Discussion Limits & Policy 2nd IRDES WORKSHOP on Applied Health Economics and implications Policy Evaluation 23-24th June 2011, Paris ahepe@irdes.fr - www.irdes.fr

Healthcare access of the poorest in Introduction France Context Objectives Design Randomised groups Data • Inequalities in access to health care are well documented in France, Experiment particularly for specialist and dental care . results • Those inequalities are particularly explained by inequalities in access Methodology Results to complementary health insurance (CHI), given that 75% of health expenditures are covered by the French public health insurance On evaluating the impact of [Kambia-Chopin et al., 2008 ; Jusot & Wittwer, 2009 ; Jusot et al., 2011]. meeting • Despite the existence of a free coverage for low income people attendance (CMUC), 6% of the French population remains without CHI [Perronnin Estimation strategy et al., 2011]. Results • This figure is higher among households whose resources are just Conclusion above the CMUC eligibility threshold and it strongly decreases with Discussion household income [Arnould & Vidal, 2008] : Limits & Policy implications • 19% of the first income decile, • 14% of the second income decile.

Healthcare access of the poorest in Introduction France Context Objectives Design Randomised groups Data • Inequalities in access to health care are well documented in France, Experiment particularly for specialist and dental care . results • Those inequalities are particularly explained by inequalities in access Methodology Results to complementary health insurance (CHI), given that 75% of health expenditures are covered by the French public health insurance On evaluating the impact of [Kambia-Chopin et al., 2008 ; Jusot & Wittwer, 2009 ; Jusot et al., 2011]. meeting • Despite the existence of a free coverage for low income people attendance (CMUC), 6% of the French population remains without CHI [Perronnin Estimation strategy et al., 2011]. Results • This figure is higher among households whose resources are just Conclusion above the CMUC eligibility threshold and it strongly decreases with Discussion household income [Arnould & Vidal, 2008] : Limits & Policy implications • 19% of the first income decile, • 14% of the second income decile.

Healthcare access of the poorest in Introduction France Context Objectives Design Randomised groups Data • Inequalities in access to health care are well documented in France, Experiment particularly for specialist and dental care . results • Those inequalities are particularly explained by inequalities in access Methodology Results to complementary health insurance (CHI), given that 75% of health expenditures are covered by the French public health insurance On evaluating the impact of [Kambia-Chopin et al., 2008 ; Jusot & Wittwer, 2009 ; Jusot et al., 2011]. meeting • Despite the existence of a free coverage for low income people attendance (CMUC), 6% of the French population remains without CHI [Perronnin Estimation strategy et al., 2011]. Results • This figure is higher among households whose resources are just Conclusion above the CMUC eligibility threshold and it strongly decreases with Discussion household income [Arnould & Vidal, 2008] : Limits & Policy implications • 19% of the first income decile, • 14% of the second income decile.

Healthcare access of the poorest in Introduction France Context Objectives Design Randomised groups Data • Inequalities in access to health care are well documented in France, Experiment particularly for specialist and dental care . results • Those inequalities are particularly explained by inequalities in access Methodology Results to complementary health insurance (CHI), given that 75% of health expenditures are covered by the French public health insurance On evaluating the impact of [Kambia-Chopin et al., 2008 ; Jusot & Wittwer, 2009 ; Jusot et al., 2011]. meeting • Despite the existence of a free coverage for low income people attendance (CMUC), 6% of the French population remains without CHI [Perronnin Estimation strategy et al., 2011]. Results • This figure is higher among households whose resources are just Conclusion above the CMUC eligibility threshold and it strongly decreases with Discussion household income [Arnould & Vidal, 2008] : Limits & Policy implications • 19% of the first income decile, • 14% of the second income decile.

Healthcare access of the poorest in Introduction France Context Objectives Design Randomised groups Data • Inequalities in access to health care are well documented in France, Experiment particularly for specialist and dental care . results • Those inequalities are particularly explained by inequalities in access Methodology Results to complementary health insurance (CHI), given that 75% of health expenditures are covered by the French public health insurance On evaluating the impact of [Kambia-Chopin et al., 2008 ; Jusot & Wittwer, 2009 ; Jusot et al., 2011]. meeting • Despite the existence of a free coverage for low income people attendance (CMUC), 6% of the French population remains without CHI [Perronnin Estimation strategy et al., 2011]. Results • This figure is higher among households whose resources are just Conclusion above the CMUC eligibility threshold and it strongly decreases with Discussion household income [Arnould & Vidal, 2008] : Limits & Policy implications • 19% of the first income decile, • 14% of the second income decile.

Healthcare access of the poorest in Introduction France Context Objectives Design Randomised groups Data • Inequalities in access to health care are well documented in France, Experiment particularly for specialist and dental care . results • Those inequalities are particularly explained by inequalities in access Methodology Results to complementary health insurance (CHI), given that 75% of health expenditures are covered by the French public health insurance On evaluating the impact of [Kambia-Chopin et al., 2008 ; Jusot & Wittwer, 2009 ; Jusot et al., 2011]. meeting • Despite the existence of a free coverage for low income people attendance (CMUC), 6% of the French population remains without CHI [Perronnin Estimation strategy et al., 2011]. Results • This figure is higher among households whose resources are just Conclusion above the CMUC eligibility threshold and it strongly decreases with Discussion household income [Arnould & Vidal, 2008] : Limits & Policy implications • 19% of the first income decile, • 14% of the second income decile.

Aide Compl´ ementaire Sant´ e Introduction Context Objectives Design • In order to improve financial access to CHI and reduce the threshold Randomised groups effect induced by CMUC : Data Experiment • a CHI voucher program was introduced in 2005, results • called“ Aide Compl´ ementaire Sant´ e ”(ACS). Methodology Results • ACS is intended for people whose resources are between : On evaluating the impact of • the CMUC eligibility threshold and (627 € for a single) meeting attendance • this treshold plus 26% (799 € ). Estimation strategy Results • The voucher : Conclusion • is delivered by local public health insurance funds (CPAM). Discussion • entitles to a price reduction for individual health insurance. Limits & Policy implications • covers, in average, 50% of the health insurance premium. • Estimated ACS- eligible population : 2 millions.

Aide Compl´ ementaire Sant´ e Introduction Context Objectives Design • In order to improve financial access to CHI and reduce the threshold Randomised groups effect induced by CMUC : Data Experiment • a CHI voucher program was introduced in 2005, results • called“ Aide Compl´ ementaire Sant´ e ”(ACS). Methodology Results • ACS is intended for people whose resources are between : On evaluating the impact of • the CMUC eligibility threshold and (627 € for a single) meeting attendance • this treshold plus 26% (799 € ). Estimation strategy Results • The voucher : Conclusion • is delivered by local public health insurance funds (CPAM). Discussion • entitles to a price reduction for individual health insurance. Limits & Policy implications • covers, in average, 50% of the health insurance premium. • Estimated ACS- eligible population : 2 millions.