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Senkt ein hoher Selbstbehalt die Gesundheitskosten?

In: Die Wirtschaft im Wandel

Author

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  • Immanuel Lampe

    (Universität St.Gallen)

Abstract

Zusammenfassung Die Gesundheitskosten in der Schweiz und damit auch die Prämien für Krankenversicherungen steigen jährlich an. In der politischen Debatte werden hohe Franchisen bisweilen als Allheilmittel betrachtet, um die Versicherten zu mehr Kostenbewusstsein anzustossen. Dabei wird immer wieder auf Evidenz zurückgegriffen, welche zeigt, dass eine höhere Franchise tatsächlich die Gesundheitskosten senkt. Aber was wäre gewonnen, wenn die Einsparungen auf Kosten der Qualität der Gesundheitsversorgung geht? Eine neue Forschungsarbeit zeigt, dass die Kosten insbesondere deshalb sinken, weil Versicherte auf durchaus sinnvolle Leistungen verzichten, während sich die Preise für die in Anspruch genommenen Leistungen kaum ändern. Brot-Goldberg, Zarek C., Amitabh Chandra, Benjamin R. Handel und Jonathan T. Kolstad (2017), What does a Deductible Do? The Impact of Cost-Sharing on Health Care Prices, Quantities, and Spending Dynamics, Quarterly Journal of Economics 132(3), 1261–1318.

Suggested Citation

  • Immanuel Lampe, 2021. "Senkt ein hoher Selbstbehalt die Gesundheitskosten?," Springer Books, in: Christian Keuschnigg & Michael Kogler (ed.), Die Wirtschaft im Wandel, pages 221-226, Springer.
  • Handle: RePEc:spr:sprchp:978-3-658-31735-5_35
    DOI: 10.1007/978-3-658-31735-5_35
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