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Barrer la route aux monopoles des soins de santé aux États-Unis

BERKELEY – La loi Patient Protection and Affordable Care Act(loi sur la protection des patients et des soins abordables), aussi connue sous le nom d’ « Obamacare », promulguée en 2010 par le président américain dans le cadre de la réforme du système de protection sociale, a substantiellement accru la nécessité de mesures de lutte contre les ententes dans le secteur des assurances santé. Malgré de récentes bonnes nouvelles dans ce domaine, la situation n’est guère favorable pour les consommateurs.

Comme l’a souligné le professeur d’économie de Berkeley Aaron Edlin, l’abstention du consommateur représente la concurrence ultime. Les sociétés ne peuvent pas acquérir ou concevoir une solution face au consommateur qui dit « Pas question que j’achète cela ». Mais l’Obamacare oblige les individus à souscrire à une assurance santé, ce qui a créé une courbe verticale de la demande en faveur des monopoles potentiels. Ces conditions ouvrent la voie à une optimisation des bénéfices – et des abus à l’encontre des consommateurs – par le biais de collusions.

Il n’est donc pas surprenant qu’à partir de 2015, les principaux assureurs privés américains – Anthem, Cigna, Aetna et Humana – aient commencé à explorer les possibilités de fusion. Si le nombre d’acteurs pouvait être réduit de cinq à trois, leurs parts de marchés et les bénéfices sur le compte des consommateurs seraient augmentés d’autant.

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