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Volume 1, Number 1, May-1999 |
| 個人醫療儲蓄帳戶－政策與理論的發展 |
| Medical Savings Accounts－The Development
of Policy and Theory |
利菊秀*(Chu-Shiu Li)
劉純之**(Chwen-Chi Liu) |
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摘要 |
個人醫療儲蓄帳戶制度在近年來逐漸受到重視，本文從理論與政策面來介
紹個人醫療儲蓄帳戶的最新發展。首先說明新加坡、美國與中國大陸正在
實施的制度，其次引介醫療儲蓄帳戶的理論性質，以證明考慮健康誘因而
設計的健保制度可以使健康照護達到有效率的水準，對消費者福利與保險
機構皆有益。最後提出未來研究的方向。 |
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Abstract |
| Medical savings accounts have received much attention
in recent years. This study introduces the new development
of medical savings accounts from the point of view of
policy issues and theoretical model. First, the systems
in Singapore, United States, and mainland China are
analyzed. Second, the theoretical characteristics of
medical savings accounts are examined to verify that
the incentive-based health care plans have the capacity
inducing socially efficient levels of health care. Finally,
the possible research topics are proposed. |
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關鍵字 |
醫療儲蓄帳戶，全民健保，道德危險
Medical Savings Accounts, National Health Insurance,
Moral Hazard |
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*利菊秀(Chu-Shiu Li), 逢甲大學經濟系副教授,
Associate Professor, Department of Economics,Feng
Chia University.
**劉純之(Chwen-Chi Liu), 逢甲大學保險系教授兼副院長, Professor, Department
of Insurance,Feng Chia University. |
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