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Beitragssatz, Kassenwettbewerb und Gesundheitsreform, Eine empirische Analyse


Author Info

  • Hanfried H. Andersen

    (Technische Universitaet Berlin)

  • Markus M. Grabka

    (DIW Berlin)

  • Johannes Schwarze

    (Otto-Friedrich-Universitaet Bamberg)


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-Wettbewerbsstaerkungsgesetz 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. Using micro-data for the years 1999 to 2004 from the German Socio-Economic Panel study (SOEP), we investigate the willingness to change health provider in a multivariate setting. The SOEP data will be matched with register information about premium rates of all statutory health insurance funds in Germany. Applying a multinomial logit model, we show that there are two prototypes of insured people who change funds. The characteristics of those who changed funds can be used to evaluate the future developments in statutory health insurance in Germany, assuming that customer mobility will continue to increase.

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Bibliographic Info

Article provided by Justus-Liebig University Giessen, Department of Statistics and Economics in its journal Journal of Economics and Statistics.

Volume (Year): 227 (2007)
Issue (Month): 5+6 (December)
Pages: 429-450

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Handle: RePEc:jns:jbstat:v:227:y:2007:i:5-6:p:429-450

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Related research

Keywords: Statutory health insurance; change of sickness funds; preferences; customer mobility; health care reform; SOEP;

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  1. 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.
  2. 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.
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Cited by:
  1. Schmitz, Hendrik & Ziebarth, Nicolas R., 2011. "In Absolute or Relative Terms? How Framing Prices Affects the Consumer Price Sensitivity of Health Plan Choice," IZA Discussion Papers 6241, Institute for the Study of Labor (IZA).
  2. Hendrik Schmitz & Nicolas R. Ziebarth, 2011. "In Absolute or Relative Terms? How Framing Prices Affects the Consumer Price Sensitivity of," Ruhr Economic Papers 0304, Rheinisch-Westfälisches Institut für Wirtschaftsforschung, Ruhr-Universität Bochum, Universität Dortmund, Universität Duisburg-Essen.


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