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Risikoselektion und Risikoausgleich am Beispiel der gesetzlichen Krankenkassen in Deutschland

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Author Info
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.

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File URL: http://epub.ub.uni-muenchen.de/718/1/RSuRA_fdieterich.pdf
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Paper provided by University of Munich, Department of Economics in its series Discussion Papers in Economics with number 718.

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Date of creation: Oct 2005
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Handle: RePEc:lmu:muenec:718

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Related research
Keywords: Krankenversicherung; Krankenkassen; Versicherung; Risikoausgleich; Risikostrukturausgleich; Gesundheitsstrukturgesetz; Gesundheit; Risiko; Prämie; Gesundheit; cream-skimming; insurance; health;

Find related papers by JEL classification:
I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets

This paper has been announced in the following NEP Reports:

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  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. [Downloadable!]
  2. 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. [Downloadable!]
  3. Friedrich Breyer & Mathias Kifmann & Erika Schulz, 2001. "Risikostrukturausgleich am Scheideweg: Senkung der Wirtschaftlichkeitsanreize für die Krankenkassen sollte vermieden werden," Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 68(14), pages 213-219.
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