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Beitragssatz, Kassenwettbewerb und Gesundheitsreform / Premium Rates, Competition Among Health Insurance Funds and the Health Care Reform 2007: Eine empirische Analyse / An Empirical Analysis

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  • Andersen Hanfried H.

    (Technische Universität Berlin, Institut für Volkswirtschaftslehre und Wirtschaftsrecht, Straße des 17. Juni 135, 10623 Berlin, Germany)

  • Grabka Markus M.

    (DIW Berlin / SOEP, Mohrenstraße 58, 10117 Berlin, Germany)

  • Schwarze Johannes

    (Otto-Friedrich-Universität Bamberg, Fakultät für Sozial- und Wirtschaftswissenschaften, Lehrstuhl für Volkswirtschaftslehre, insb. Empirische Mikroökonomik, 96045 Bamberg, Germany Otto-Friedrich-Universität Bamberg, Fakultät für Sozial- und Wirtschaftswissenschaften, Lehrstuhl für Volkswirtschaftslehre, insb. Empirische Mikroökonomik, 96045 Bamberg, Germany. DIW Berlin und IZA Bonn)

Abstract

The premium rates paid for statutory health insurance in Germany play a key role in the competition among health care funds. With the most recent health care reform (GKV-Wettbewerbsstärkungsgesetz GKV-WSG), a range of new products have been introduced that could erode the advantageous selling proposition of the premium rates. In addition to the pure monetary incentive to change health insurance provider, the new products include aspects that are becoming increasingly important to insured persons, such as the assessment of their own morbidity and the level and quality of health care provision. We find that current morbidity, experiences in morbidity, and expectations about morbidity will gain in importance when choosing health care provider.

Suggested Citation

  • Andersen Hanfried H. & Grabka Markus M. & Schwarze Johannes, 2007. "Beitragssatz, Kassenwettbewerb und Gesundheitsreform / Premium Rates, Competition Among Health Insurance Funds and the Health Care Reform 2007: Eine empirische Analyse / An Empirical Analysis," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), De Gruyter, vol. 227(5-6), pages 429-450, October.
    • Handle: RePEc:jns:jbstat:v:227:y:2007:i:5-6:p:429-450
    DOI: 10.1515/jbnst-2007-5-603
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    References listed on IDEAS

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    1. Goebel Jan & Grabka Markus M. & Liebig Stefan & Kroh Martin & Richter David & Schröder Carsten & Schupp Jürgen, 2019. "The German Socio-Economic Panel (SOEP)," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), De Gruyter, vol. 239(2), pages 345-360, April.
    2. Reiners, Hartmut, 2006. "Der Homo oeconomicus im Gesundheitswesen," Discussion Papers, Research Group Public Health SP I 2006-305, WZB Berlin Social Science Center.
    3. Henke, Klaus-Dirk, 2007. "Der Gesundheitsfonds: Politökonomische Aspekte und seine Rolle als Wettbewerbsinstrument," Discussion Papers 2007/1, Technische Universität Berlin, School of Economics and Management.
    4. Johannes Schwarze & Hanfried H. Andersen, 2001. "Kassenwechsel in der gesetzlichen Krankenversicherung: welche Rolle spielt der Beitragssatz?," Discussion Papers of DIW Berlin 267, DIW Berlin, German Institute for Economic Research.
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    1. Schröder, Carsten & König, Johannes & Fedorets, Alexandra & Goebel, Jan & Grabka, Markus M. & Lüthen, Holger & Metzing, Maria & Schikora, Felicitas & Liebig, Stefan, 2020. "The economic research potentials of the German Socio-Economic Panel study," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 21(3), pages 335-371.
    2. Schmitz, Hendrik & Ziebarth, Nicolas R., 2011. "In Absolute or Relative Terms? How Framing Prices Affects the Consumer Price Sensitivity of Health Plan Choice," Ruhr Economic Papers 304, RWI - Leibniz-Institut für Wirtschaftsforschung, Ruhr-University Bochum, TU Dortmund University, University of Duisburg-Essen.

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