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Kapitaldeckung für die GKV? Zur Berechnung der finanziellen Auswirkungen eines Umstiegs vom Umlage- auf das Kapitaldeckungssystem

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Author Info

  • Grabka, Markus M.
  • Andersen, Hanfried H.
  • Henke, Klaus-Dirk
  • Borchardt, Katja

Abstract

In diesem Beitrag wird untersucht, wie groß die fiskalische Belastung eines Umstiegs vom bestehenden Umlageverfahren in der Gesetzlichen Krankenversicherung (GKV) zu einer Variante eines kapitalgedeckten Systems mit altersabhängigem Kopfbeitrag wäre. Mit Hilfe eines statischen Mikrosimulationsmodells, auf Basis der Daten des sozio-oekonomischen Panels (SOEP), wird berechnet, welche Ausgleichszahlungen - unter Zugrundelegung unterschiedlicher Annahmen - in einzelnen Übergangsszenarien anfallen. Quantifiziert wird der Transferbedarf, der sich aus der Differenz der Leistungsausgaben und den Beitragseinnahmen unter Berücksichtigung einer Belastungsobergrenze von 15% der Bemessungsgrundlage ergibt. Als Grundlage für einen Krankenversicherungsbeitrag mit Kapitaldeckung wird hierbei auf Kalkulationen einer Privaten Krankenversicherung zurückgegriffen -- This paper presents the financial effects of a transition from the pay-as-you-go to a capital funded health insurance system in Germany. The focus of the following article will be on the financial need in different settings which are given by the difference of the spending for health care and the insurance contributions with an upper limit of 15% of the underlying assessment basis. Calculations made with a static microsimulation model based on the data of the German Socio Economic Panel Study (SOEP). It will be shown that substantial financial transfers are needed to realize such a kind of transition. As the alternative of doing nothing is very costly as well the authors propose a mixed system with both capital funding and pay as you go.

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Bibliographic Info

Article provided by ZBW - German National Library of Economics in its journal EconStor Open Access Articles.

Volume (Year): (2003)
Issue (Month): ()
Pages: 265-283

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Handle: RePEc:zbw:espost:66217

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  1. Cassel, Dieter & Oberdieck, Veit, 2002. "Kapitaldeckung in der gesetzlichen Krankenversicherung," Wirtschaftsdienst – Zeitschrift für Wirtschaftspolitik (1998 - 2007), ZBW – German National Library of Economics / Leibniz Information Centre for Economics, vol. 82(1), pages 15-22.
  2. Hirte, Georg, 2001. "Pension Policies for an Aging Society," Beiträge zur Finanzwissenschaft, Mohr Siebeck, Tübingen, edition 1, volume 14, number urn:isbn:9783161475399.
  3. Markus M. Grabka & Hanfried H. Andersen & Klaus-Dirk Henke & Katja Borchardt, 2002. "Kapitaldeckung in der Gesetzlichen Krankenversicherung: zur Berechnung der finanziellen Auswirkungen eines Umstiegs vom Umlage auf das Kapitaldeckungssystem," Discussion Papers of DIW Berlin 275, DIW Berlin, German Institute for Economic Research.
  4. Friedrich Breyer, 2000. "Kapitaldeckungs- versus Umlageverfahren," Perspektiven der Wirtschaftspolitik, Verein für Socialpolitik, vol. 1(4), pages 383-405, November.
  5. Börsch-Supan, Axel & Winter, Joachim, 2000. "Soziale Sicherungssysteme im globalen Wettbewerb," Discussion Papers 592, Institut fuer Volkswirtschaftslehre und Statistik, Abteilung fuer Volkswirtschaftslehre.
  6. Hans Fehr, 1999. "Privatization of Public Pensions in Germany: Who Gains and How Much?," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), Justus-Liebig University Giessen, Department of Statistics and Economics, vol. 218(5+6), pages 674-694, May.
  7. Cassel, Dieter, 2001. "Demographischer Wandel - Folgen für die gesetzliche Krankenversicherung," Wirtschaftsdienst – Zeitschrift für Wirtschaftspolitik (1998 - 2007), ZBW – German National Library of Economics / Leibniz Information Centre for Economics, vol. 81(2), pages 87-91.
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