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Wettbewerb aller Krankenversicherungen kann Qualität verbessern und Kosten des Gesundheitswesens senken

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Author Info
Wolfgang Buchholz
Birgit Edener
Markus Grabka
Klaus-Dirk Henke
Monika Huber
Hermann Ribhegge
Andreas Ryll
Hans-Jürgen Wagener
Gert G. Wagner

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Abstract

Das präsentierte und diskutierte Modell eines sozialgebundenen Krankenversicherungswettbewerbs zeigt zum Ersten, dass ein derartiges System an vielen Stellen vom Staat reguliert werden muss. Es ist deutlich komplizierter als die bislang in der Diskussion befindlichen Lehrbuchmodelle und die Reformvorschläge, die lediglich einem Agenda Setting dienen und notwendigerweise nur Prinzipien postulieren. Zum Zweiten zeigt sich, dass die Regulierungsnotwendigkeiten derart vielfältig und letztlich von Werturteilen abhängig sind, so dass eine Reform nicht allein aus einer medizinischen oder wirtschaftswissenschaftlichen Rationalität heraus gestaltet werden kann. Insofern ist auch unser Vorschlag noch in hohem Maße diskussions- und damit ergänzungsbedürftig.

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Paper provided by DIW Berlin, German Institute for Economic Research in its series Discussion Papers of DIW Berlin with number 247.

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Length: 24 p.
Date of creation: 2001
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Handle: RePEc:diw:diwwpp:dp247

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Find related papers by JEL classification:
I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health

References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:

  1. Kotlikoff, Laurence J, 1989. "On the Contribution of Economics to the Evaluation and Formation of Social Insurance Policy," American Economic Review, American Economic Association, vol. 79(2), pages 184-90, May. [Downloadable!] (restricted)
  2. Keeler, Emmett B & Morrow, Daniel T & Newhouse, Joseph P, 1977. "The Demand for Supplementary Health Insurance, or Do Deductibles Matter?," Journal of Political Economy, University of Chicago Press, vol. 85(4), pages 789-801, August. [Downloadable!] (restricted)
  3. Keeler, Emmett B & Newhouse, Joseph P & Phelps, C E, 1977. "Deductibles and the Demand for Medical Care Services: The Theory of a Consumer Facing a Variable Price Schedule under Uncertainty," Econometrica, Econometric Society, vol. 45(3), pages 641-55, April. [Downloadable!] (restricted)
  4. David M. Cutler & Sarah J. Reber, 1998. "Paying For Health Insurance: The Trade-Off Between Competition And Adverse Selection," The Quarterly Journal of Economics, MIT Press, vol. 113(2), pages 433-466, May. [Downloadable!] (restricted)
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  5. Friedrich Breyer & Andreas Haufler, 2000. "Health Care Reform: Separating Insurance from Income Redistribution," International Tax and Public Finance, Springer, vol. 7(4), pages 445-461, August. [Downloadable!] (restricted)
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  6. Friedrich Breyer & Mathias Kifmann, 2001. "Optionen der Weiterentwicklung des Risikostrukturausgleichs in der GKV," Discussion Papers of DIW Berlin 236, DIW Berlin, German Institute for Economic Research. [Downloadable!]
  7. Sinn, Hans-Werner, 1995. " A Theory of the Welfare State," Scandinavian Journal of Economics, Blackwell Publishing, vol. 97(4), pages 495-526, December.
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  8. Summers, Lawrence H, 1989. "Some Simple Economics of Mandated Benefits," American Economic Review, American Economic Association, vol. 79(2), pages 177-83, May. [Downloadable!] (restricted)
  9. Cochrane, John H, 1995. "Time-Consistent Health Insurance," Journal of Political Economy, University of Chicago Press, vol. 103(3), pages 445-73, June. [Downloadable!] (restricted)
  10. Friedrich Breyer & Volker Ulrich, 2000. "Demographischer Wandel, medizinischer Fortschritt und Anstieg der Gesundheitsausgaben," Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 67(24), pages 374-379.
  11. Cutler, David M, 1994. "A Guide to Health Care Reform," Journal of Economic Perspectives, American Economic Association, vol. 8(3), pages 13-29, Summer. [Downloadable!] (restricted)
  12. Diamond, Peter, 1992. "Organizing the Health Insurance Market," Econometrica, Econometric Society, vol. 60(6), pages 1233-54, November. [Downloadable!] (restricted)
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Cited by:
(explanations, Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.)

  1. 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. [Downloadable!]
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