The application for LTC insurance.

Summary This thesis proposes to study the existence of obstacles to the development of the private LTC insurance market in France. We study three candidates in turn to explain this weak development: individual preferences, self-insurance behavior and agents' myopia. To do so, we use the "Preferences and Wealth vis-à-vis Risk and Time" and "Health and Social Protection" surveys, both of which have introduced specific LTC modules in the waves of surveys used in this thesis. Our econometric analyses confirm the role of these three determinants of LTC insurance demand as barriers. While the existence of a poor perception of LTC risk argues for state intervention in the relationship between the French and the planning of their loss of autonomy, the role of individual preferences and self-insurance behaviour highlighted in this thesis reveals an economically rational choice not to take out LTC insurance.