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Medical Savings Accounts als Instrument zur Reduktion von moral hazard Verlusten bei der Absicherung des Krankheitsrisikos

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  • Schreyögg, Jonas

Abstract

Krankenversicherungssysteme induzieren häufig Wohlfahrtsverluste aufgrund asymetrischer Informationen. Neben einem Anstieg der Gesundheitsausgaben bewirken diese eine ineffiziente Allokation von Ressourcen. Einige empirische Studien schätzen den Wohlfahrtsverlust sogar so gross, dass er den aus dem Pooling von Risiken resultierenden Nutzen einer Krankenversicherung überkompensiert. Da die Höhe des Wohlfahrtsverlustes von der Preiselastizität der Nachfrage abhängt, erscheint es sinnvoll, den Versicherungsumfang auf preisunelastische Gebiete der Nachfrage zu beschränken. Eine Differenzierung der Absicherung des Krankheitsrisikos nach der Preiselastizität verschiedener Nachfragebereiche könnte demnach die Wohlfahrtsverluste reduzieren. Singapur hat diesen Ansatz erfolgreich umgesetzt. Das dortige Finanzierungssystem setzt sich zusammen aus einer Hochrisikoversicherung, die unelastische Bereiche der Nachfrage abdeckt, out-of-pocket Zahlungen für elastische Bereiche und Gesundheitssparkonten (Medical Savings Accounts) für den Zwischenbereich.

Suggested Citation

  • Schreyögg, Jonas, 2002. "Medical Savings Accounts als Instrument zur Reduktion von moral hazard Verlusten bei der Absicherung des Krankheitsrisikos," Discussion Papers 2002/5, Technische Universität Berlin, School of Economics and Management.
    • Handle: RePEc:zbw:tubsem:20025
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    References listed on IDEAS

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