Assurance maladie et tests génétiques

This thesis includes three main contributions. The first chapter, an article published in 2019 in the Revue Française d'Économie n°2/vol XXXIV", provides a literature review on the implications of genetic testing regulations on the health insurance market. We show that the choice of a regulation results from a trade-off between the maximization of ex-ante social welfare and incentive to undertake prevention actions. Indeed, this trade-off depends on the way information acquisition impacts prevention and revelation behaviors of agents, as well as of its impact on insurance contract. The second chapter studies theoretically how reclassification impacts testing and prevention decision as well as social welfare in the Disclosure Duty regulation. In particular, we show that the incentives of agents to take genetic with reclassification can be higher than without reclassification according to the effort cost. In addition, we show how time preferences affect the incentive to take genetic testing. Finally, we show that the social welfare is strictly higher without reclassification than with reclassification. The last chapter studies and characterizes contracts that can be implemented to develop personalized medicine with highly effective treatment in context of moral hazard about firm effort to improve drug efficacy. It also studies how the non-observability of effort impacts the decision of a health authority to implement personalized medicine with highly effective treatments. We consider a model in which the health authority has three possibilities. It can apply either the same treatment (a standard or a new treatment) to the whole population or implement personalized medicine, i.e., use genetic information to offer the most suitable treatment to each patient. We first characterize the drug reimbursement contract of a firm producing a new treatment with a companion genetic test when the firm can undertake an effort to improve drug quality. Then, we determine the conditions under which personalized medicine should be implemented when this effort is observable and when it is not. Finally, we show how the unobservability of effort affects the conditions under which the health authority implements personalized medicine.