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Welche Umverteilungseffekte deckt das Solidaritätsprinzip in der GKV ab?

Author

Listed:
  • Kochskämper, Susanna
  • Pimpertz, Jochen

Abstract

Der demografische Wandel führt den in der umlagefinanzierten Krankenversicherung angelegten Risikoausgleich zwischen Jung und Alt ad absurdum. Zwar bleibt die Solidarität im Querschnitt der Versicherten auch bei steigenden durchschnittlichen Leistungsausgaben in jeder einzelnen Periode gewahrt. Über einen längeren Zeitraum werden aber die jeweils nachrückenden Kohorten stärker belastet. Ähnliches gilt für den Sozialausgleich zwischen leistungsfähigen und weniger leistungsfähigen Versicherten. Um auch der intergenerativen Dimension des Solidaritätsprinzips gerecht zu werden, sollten deshalb Umlageverfahren und Anwartschaftsdeckung miteinander kombiniert werden.

Suggested Citation

  • Kochskämper, Susanna & Pimpertz, Jochen, 2015. "Welche Umverteilungseffekte deckt das Solidaritätsprinzip in der GKV ab?," IW-Trends – Vierteljahresschrift zur empirischen Wirtschaftsforschung, Institut der deutschen Wirtschaft (IW) / German Economic Institute, vol. 42(1), pages 105-119.
    • Handle: RePEc:zbw:iwktre:157126
    DOI: 10.2373/1864-810X.15-01-07
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    More about this item

    Keywords

    Krankenversicherung; Solidarität; Demografie;
    All these keywords.

    JEL classification:

    • D63 - Microeconomics - - Welfare Economics - - - Equity, Justice, Inequality, and Other Normative Criteria and Measurement
    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private

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