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Bürgerversicherung: Die Wirkung von Kopfprämien auf den Arbeitsmarkt


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  • Farhauer, Oliver
  • Borchardt, Katja
  • Stargardt, Tom


In der öffentlichen Diskussion um die Einführung einer Bürgerversicherung zur Reform der Finanzierung der Gesetzlichen Krankenversicherung werden häufiger Modelle mit Kopfpauschalen oder Kopfprämien diskutiert. Dabei sind verschiedene Herangehensweisen bei der Ermittlung der Höhe der Prämien und der Ausgestaltung der Versicherungspflicht möglich. Diese Arbeit soll mit Hilfe der Mikroökonomie und im Rahmen eines einfachen Queru - Modells die Auswirkungen eines solchen Schrittes auf den Arbeitsmarkt aufzeigen. Des weiteren werden mögliche Konzepte für die Behandlung der bisher mitversicherten Kinder, sowie eine Umgestaltung des Familienlastenausgleichs thematisiert. -- Capitation fees are considered to be an option for a change in funding principles for statutory health care insurance. This paper discusses several models of capitation fees either to be introduced for a part of the population or for all citizens. It analyses the impact of a change in financing health care on the labour market. Therefore microeconomic theory and a Queru – model is applied. It also considers the issue of presently co-insured dependents.

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Bibliographic Info

Paper provided by Technische Universität Berlin, School of Economics and Management in its series Discussion Papers with number 2004/8.

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Date of creation: 2004
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Handle: RePEc:zbw:tubsem:20048

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Keywords: Kopfpauschale; Bürgerversicherung; Arbeitsmarkt; capitation fee; financing health care; labour market;


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  1. 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.
  2. 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.
  3. Breyer, Friedrich & Franz, Wolfgang & Homburg, Stefan & Schnabel, Reinhold & Wille, Eberhard, 2004. "Reform der sozialen Sicherung," EconStor Books, ZBW - German National Library of Economics, number 92399, February.
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Cited by:
  1. Manuel Kallweit & Anabell Kohlmeier, 2014. "Zusatzbeitraege in der Gesetzlichen Krankenversicherung," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), Justus-Liebig University Giessen, Department of Statistics and Economics, Justus-Liebig University Giessen, Department of Statistics and Economics, vol. 234(4), pages 490-517, July.


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