Advanced Search
MyIDEAS: Login to save this paper or follow this series

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


Author Info

  • Schreyögg, Jonas


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. -- Health insurance often results in moral hazard welfare loss. If large enough this causes significant growth of health expenditure and at the same time an inefficient allocation of resources. Some empirical studies estimate the welfare loss of moral hazard so large that it could offset the benefits of risk-pooling in health insurance. If demand price elasticity is used as an indicator of the potential for moral hazard, theory suggests to provide insurance mainly for inelastic parts of the demand for health services. Therefore different health financing schemes, according to demand price elasticity, might reduce losses caused by moral hazard. Singapore has incorporated this approach successfully. Its health care system consists of three different health financing schemes including catastropic health insurance for inelastic demand, out-of-pocket payment for elastic demand and medical savings accounts for the demand in between.

Download Info

If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
File URL:
Download Restriction: no

Bibliographic Info

Paper provided by Technische Universität Berlin, School of Economics and Management in its series Discussion Papers with number 2002/5.

as in new window
Date of creation: 2002
Date of revision:
Handle: RePEc:zbw:tubsem:20025

Contact details of provider:
Web page:
More information through EDIRC

Related research



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.:
as in new window
  1. Nyman, John A., 1999. "The economics of moral hazard revisited," Journal of Health Economics, Elsevier, Elsevier, vol. 18(6), pages 811-824, December.
  2. William C. Hsiao, 2000. "What Should Macroeconomists Know About Health Care Policy: A Primer," IMF Working Papers 00/136, International Monetary Fund.
  3. Manning, Willard G, et al, 1987. "Health Insurance and the Demand for Medical Care: Evidence from a Randomized Experiment," American Economic Review, American Economic Association, American Economic Association, vol. 77(3), pages 251-77, June.
  4. Manning, Willard G. & Marquis, M. Susan, 1996. "Health insurance: The tradeoff between risk pooling and moral hazard," Journal of Health Economics, Elsevier, Elsevier, vol. 15(5), pages 609-639, October.
  5. Feldman, Roger & Dowd, Bryan, 1991. "A New Estimate of the Welfare Loss of Excess Health Insurance," American Economic Review, American Economic Association, American Economic Association, vol. 81(1), pages 297-301, March.
  6. Manning, Willard G. & Marquis, M. Susan, 2001. "Health insurance: tradeoffs revisited," Journal of Health Economics, Elsevier, Elsevier, vol. 20(2), pages 289-293, March.
  7. Cassel, Dieter & Oberdieck, Veit, 2002. "Kapitaldeckung in der gesetzlichen Krankenversicherung," Wirtschaftsdienst – Zeitschrift für Wirtschaftspolitik (1998 - 2007), ZBW – German National Library of Economics / Leibniz Information Centre for Economics, vol. 82(1), pages 15-22.
  8. Keeler, Emmett B. & Rolph, John E., 1988. "The demand for episodes of treatment in the health insurance experiment," Journal of Health Economics, Elsevier, Elsevier, vol. 7(4), pages 337-367, December.
  9. Hurley, Jeremiah, 2000. "An overview of the normative economics of the health sector," Handbook of Health Economics, Elsevier, in: A. J. Culyer & J. P. Newhouse (ed.), Handbook of Health Economics, edition 1, volume 1, chapter 2, pages 55-118 Elsevier.
  10. Francesco Squintani, 1999. "Moral Hazard," Discussion Papers, Northwestern University, Center for Mathematical Studies in Economics and Management Science 1269, Northwestern University, Center for Mathematical Studies in Economics and Management Science.
Full references (including those not matched with items on IDEAS)



This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.


Access and download statistics


When requesting a correction, please mention this item's handle: RePEc:zbw:tubsem:20025. See general information about how to correct material in RePEc.

For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (ZBW - German National Library of Economics).

If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

If references are entirely missing, you can add them using this form.

If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

Please note that corrections may take a couple of weeks to filter through the various RePEc services.