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Fairer Systemwettbewerb zwischen gesetzlicher und privater Krankenversicherung

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Author Info

  • Kifmann, Mathias
  • Nell, Martin

Abstract

Wir entwickeln einen Reformvorschlag, der den problematischen Selektionswettbewerb zwischen GKV und PKV beendet und zu einem fairen Systemwettbewerb führt. Jeder Bürger leistet einen einkommensabhängigen Beitrag zum Gesundheitsfonds und hat bei einem Wechsel in die PKV Anspruch auf risikogerechte Zahlungen aus dem Gesundheitsfonds. Die Versicherungspflichtgrenze wird gesenkt und langfristig abgeschafft. Private Versicherungen können nicht mehr allein deshalb mit Versicherten rechnen, weil diese durch einen Wechsel Solidarbeiträge vermeiden können. Die Nachhaltigkeit unseres Reformvorschlags wird durch eine Kapitalbildung gesichert. --

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Bibliographic Info

Paper provided by Hamburg Center for Health Economics (hche), University of Hamburg in its series hche Research Papers with number 2013/06.

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Date of creation: 2013
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Handle: RePEc:zbw:hcherp:201301

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Web page: http://www.hche.eu/
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Keywords: Gesetzliche Krankenversicherung; Private Krankenversicherung; Solidaritätsprinzip; Gesundheitsfonds; morbiditätsorientierter Risikostrukturausgleich;

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  1. Martina Grunow & Robert Nuscheler, 2010. "Public and Private Health Insurance in Germany: The Ignored Risk Selection Problem," Working Papers 093, Bavarian Graduate Program in Economics (BGPE).
  2. Mathias Kifmann, 2006. "Risk selection and complementary health insurance: The Swiss approach," International Journal of Health Care Finance and Economics, Springer, vol. 6(2), pages 151-170, June.
  3. Homburg, Stefan & Richter, Wolfram, 1990. "Eine effizienzorientierte Reform der GRV," EconStor Open Access Articles, ZBW - German National Library of Economics, pages 183-191..
  4. Martin Nell & Stephan Rosenbrock, 2008. "Wettbewerb in kapitalgedeckten Krankenversicherungssystemen: Ein risikogerechter Ansatz zur Übertragung von Alterungsrückstellungen in der Privaten Krankenversicherung," Perspektiven der Wirtschaftspolitik, Verein für Socialpolitik, vol. 9(2), pages 173-195, 05.
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Cited by:
  1. Peter Oberender & Jürgen Zerth & Stefan Felder & Martin Nell & Bernd Raffelhüschen & Christian Hagist, 2013. "Reform des Gesundheitssystems: Kommt die Einheitskasse?," Ifo Schnelldienst, Ifo Institute for Economic Research at the University of Munich, vol. 66(19), pages 03-15, October.

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