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Risikoselektion und Risikoausgleich am Beispiel der gesetzlichen Krankenkassen in Deutschland

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  • Dieterich, Felix

Abstract

This paper deals with the phenomenon of risk-selection and its appearance in the german compulsory health insurance market since the adoption of the so-called "Gesundheitsstrukturgesetz" of 1992. Further, the "Risikostrukturausgleich" as well as other measures are discussed as instruments of artificially spreading risks in this very market before recommendations for adequate policies are given.

Suggested Citation

  • Dieterich, Felix, 2005. "Risikoselektion und Risikoausgleich am Beispiel der gesetzlichen Krankenkassen in Deutschland," Discussion Papers in Economics 718, University of Munich, Department of Economics.
    • Handle: RePEc:lmu:muenec:718
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    File URL: https://epub.ub.uni-muenchen.de/718/1/RSuRA_fdieterich.pdf
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    References listed on IDEAS

    as
    1. 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.
    2. Friedrich Breyer & Mathias Kifmann & Erika Schulz, 2001. "Risikostrukturausgleich am Scheideweg: Senkung der Wirtschaftlichkeitsanreize für die Krankenkassen sollte vermieden werden," DIW Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 68(14), pages 213-219.
    3. Markus Jankowski & Anne Zimmermann, 2003. "Wettbewerb ohne Risikoselektion auf dem deutschen Krankenversicherungsmarkt," Otto-Wolff-Institut Discussion Paper Series 03/2003, Otto-Wolff-Institut für Wirtschaftsordnung, Köln, Deutschland.
    4. Wolfgang Buchholz & Birgit Edener & Markus Grabka & Klaus-Dirk Henke & Monika Huber & Hermann Ribhegge & Andreas Ryll & Hans-Jürgen Wagener & Gert G. Wagner, 2001. "Wettbewerb aller Krankenversicherungen kann Qualität verbessern und Kosten des Gesundheitswesens senken," Discussion Papers of DIW Berlin 247, DIW Berlin, German Institute for Economic Research.
    5. 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.
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    More about this item

    Keywords

    Krankenversicherung; Krankenkassen; Versicherung; Risikoausgleich; Risikostrukturausgleich; Gesundheitsstrukturgesetz; Gesundheit; Risiko; Prämie; Gesundheit; cream-skimming; insurance; health;
    All these keywords.

    JEL classification:

    • I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets

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