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本文通过效用最大化的理论模型推导一个对社区预付制具有离散型选择需求的表达式。首先定义一个所有的CF政策中最简单的形式:某人的消费共同保险比率为C,即支付消费者医疗支出的1-C的比率,消费者支付的部分为C。假设在该年度中消费者有N种不同数量的医疗消费,其
In this paper, we derive an expression of the demand of the community prepayment system with discrete choice through the theoretical model of utility maximization. First, define the simplest form of an all-CF policy: someone’s C / C ratio is C, which is the 1-C ratio that pays the consumer for medical expenses, and the portion that consumers pay for. Assume that consumers have N different amounts of medical spending during the year