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Beitragssatz, Kassenwettbewerb und Gesundheitsreform / Premium Rates, Competition Among Health Insurance Funds and the Health Care Reform 2007: Eine empirische Analyse / An Empirical Analysis

  • Andersen Hanfried H.

    ()

    (Technische Universität Berlin, Institut für Volkswirtschaftslehre und Wirtschaftsrecht, Straße des 17. Juni 135, 10623 Berlin, Germany)

  • Grabka Markus M.

    ()

    (DIW Berlin / SOEP, Mohrenstraße 58, 10117 Berlin, Germany)

  • Schwarze Johannes

    ()

    (Otto-Friedrich-Universität Bamberg, Fakultät für Sozial- und Wirtschaftswissenschaften, Lehrstuhl für Volkswirtschaftslehre, insb. Empirische Mikroökonomik, 96045 Bamberg, Germany Otto-Friedrich-Universität Bamberg, Fakultät für Sozial- und Wirtschaftswissenschaften, Lehrstuhl für Volkswirtschaftslehre, insb. Empirische Mikroökonomik, 96045 Bamberg, Germany. DIW Berlin und IZA Bonn)

The premium rates paid for statutory health insurance in Germany play a key role in the competition among health care funds. With the most recent health care reform (GKV-Wettbewerbsstärkungsgesetz GKV-WSG), a range of new products have been introduced that could erode the advantageous selling proposition of the premium rates. In addition to the pure monetary incentive to change health insurance provider, the new products include aspects that are becoming increasingly important to insured persons, such as the assessment of their own morbidity and the level and quality of health care provision. We find that current morbidity, experiences in morbidity, and expectations about morbidity will gain in importance when choosing health care provider.

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File URL: http://www.degruyter.com/view/j/jbnst.2007.227.issue-5-6/jbnst-2007-5-603/jbnst-2007-5-603.xml?format=INT
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Article provided by De Gruyter in its journal Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik).

Volume (Year): 227 (2007)
Issue (Month): 5-6 (October)
Pages: 429-450

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Handle: RePEc:jns:jbstat:v:227:y:2007:i:5-6:p:429-450
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  1. Johannes Schwarze & Hanfried H. Andersen, 2001. "Kassenwechsel in der gesetzlichen Krankenversicherung: welche Rolle spielt der Beitragssatz?," Discussion Papers of DIW Berlin 267, DIW Berlin, German Institute for Economic Research.
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