[[alternative]]Under effort uncertainty the optimal medical behavior

碩士商業教育學系[[abstract]]隨著經濟的發展，健康保險制度的實施是必然之趨勢，而醫療品質的良莠 長期以來一直備受關注，亦是影響民眾健康維護的課題。由於健康保險都制定了嚴格控制 醫療費用的目標，而使人最為擔憂的是醫療品質是否受到負面的影響。健康的保險給付制 度如能真正引導醫療行為的施行者，朝向提高醫療資源使用率的方向，則往往促成在追求 提升醫療品質的過程中，同時減少了醫療資源的不當使用。目前的臺灣，幾乎所有大的企 業集團皆介入醫療院所的經營，企業的經營品質被誤認等於醫療品質，管理績效被誤認等 於醫療成效。長期發展的結果恐將造成民眾健康的損失及醫療費用的高漲。針對醫療品質 不確定下，探討最適的醫療行為為本研究之目標。 因醫生投入品質具不確定性，病患由治療獲得的財政收益亦充滿不確定性，至於對醫療行 為的影響及風險貼水，則與消費者的偏好型態（消費者效用函數形式）有關。本研究即根 據對效用型態的討論，歸納出病患在面對品質不確定性，將對治療數量的需求進行調整及 醫生對投入程度的調整，進而探討對效用水準的影響及保險公司可行的調整政策，希望對 於後續醫療經濟學的研究有所助益。[[abstract]]When an economy highly develops, to execute healthy Insurance System is inevitably. But people always to pay close attention to uneven medical quality for a long time.Because the health insurance set up an objective to strictly control the medical expense,human beings worry that the negative influences to medical quality. At present，enterprise group always intervene the operation of medical institute in Taiwan. It’s a fear thatit it will accomplish the loss of public health.and the rise of medical expenses.The operation quality to recognize as medical quality, as same as the management results to medical effects.The objection of this research is to confer the optimal medical care behavior under effort uncertainty.In this paper, we analyze the medical behavior and risk premium under effort uncertainty. Moreover, the issue of how the consumer utility function to influence the medical quantity and quality, and to modulate the feasible policy