IDEAS home Printed from https://ideas.repec.org/
MyIDEAS: Log in (now much improved!) to save this article

Using Experiences from the U.S. to Implement Health Savings Accounts in German Statutory Health Insurance

Listed author(s):
  • Renate Lange
  • Petra Steinorth
Registered author(s):

    This paper discusses suitable ways to implement Health Savings Accounts (HSAs) in German Statutory Health Insurance (SHI) building on the introduction of so-called Flexible Health Plans (“Wahltarife”) according to Sec. 53 para. 1 Social Security Code V in 2007, which allows insurers in SHI to offer greater variety of health plans. Our focus is on the adaptability of SHI. On the one hand, the possibility to offer products differing from universal health coverage for insurers in the SHI market provides an excellent opportunity to introduce HSAs. On the other hand, we strongly believe that HSAs can lead to significant improvements in SHI. Our approach can easily be implemented into the existing system, whereby introducing HSAs in combination with High-Deductible Health Plans (HDHPs) will tackle a significant number of current problems inherent to German SHI. The introduction of significant out-of-pocket payments will induce the insured to consume medical care in a more conscious way and thereby reduce the occurring costs.

    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: http://dx.doi.org/10.3790/schm.132.1.27
    Download Restriction: Access to full text is restricted to subscribers (2008 onwards); Pay-per-view access from http://www.genios.de (2000 onwards with 2 years moving wall) and http://ejournals.duncker-humblot.de/loi/schm (2008 onwards)

    As the access to this document is restricted, you may want to look for a different version under "Related research" (further below) or search for a different version of it.

    Article provided by Duncker & Humblot, Berlin in its journal Schmollers Jahrbuch.

    Volume (Year): 132 (2012)
    Issue (Month): 1 ()
    Pages: 27-52

    as
    in new window

    Handle: RePEc:aeq:aeqsjb:v132_y2012_i1_q1_p27-52
    Contact details of provider: Web page: http://www.duncker-humblot.de

    Order Information: Web: http://www.duncker-humblot.de/index.php/zeitschriften/wirtschafts-undsozialwissenschaften/schmollersjahrbuch-1.html Email:


    No references listed on IDEAS
    You can help add them by filling out this form.

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

    When requesting a correction, please mention this item's handle: RePEc:aeq:aeqsjb:v132_y2012_i1_q1_p27-52. 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: (Gabriele Freudenmann)

    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.

    This information is provided to you by IDEAS at the Research Division of the Federal Reserve Bank of St. Louis using RePEc data.