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Insuring Premium Risk in Competitive Health Insurance Markets

Author

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  • Kifmann, Mathias

Abstract

Auf privatwirtschaftlich organisierten Krankenversicherungsmärkten wird die Prämie entsprechend des individuellen Risikos erhoben. Verschlechtert sich der Gesundheitszustand einer Person, so besteht die Gefahr, dass die Prämie angehoben wird. Die Person sieht sich einer unsicheren Prämie gegenüber. Mathias Kifmann untersucht, wie dieses Prämienrisiko auf wettbewerblich organisierten Krankenversicherungsmärkten versichert werden kann. Drei grundsätzliche Möglichkeiten der Absicherung werden analysiert und verglichen. In einer vertiefenden theoretischen Analyse untersucht der Autor Reformmöglichkeiten der privaten und der gesetzlichen Krankenversicherung. (cloth, published in German)

Suggested Citation

  • Kifmann, Mathias, 2002. "Insuring Premium Risk in Competitive Health Insurance Markets," Beiträge zur Finanzwissenschaft, Mohr Siebeck, Tübingen, edition 1, volume 15, number urn:isbn:9783161477409, December.
    • Handle: RePEc:mhr:btrfin:urn:isbn:9783161477409
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    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
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    Cited by:

    1. Florian Baumann & Volker Meier & Martin Werding, 2008. "Transferable Ageing Provisions in Individual Health Insurance Contracts," German Economic Review, Verein für Socialpolitik, vol. 9(3), pages 287-311, August.
    2. Friedrich Breyer, 2004. "How to Finance Social Health Insurance: Issues in the German Reform Debate," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 29(4), pages 679-688, October.
    3. Nell, Martin & Rosenbrock, Stephan, 2007. "Wettbewerb in kapitalgedeckten Krankenversicherungssystemen: Ein konsistenter Ansatz zur Übertragung von individuellen Alterungsrückstellungen in der Privaten Krankenversicherung," Working Papers on Risk and Insurance 19, University of Hamburg, Institute for Risk and Insurance.
    4. Martin Nell & Stephan Rosenbrock, 2008. "Wettbewerb in kapitalgedeckten Krankenversicherungssystemen: Ein risikogerechter Ansatz zur Übertragung von Alterungsrückstellungen in der Privaten Krankenversicherung," Perspektiven der Wirtschaftspolitik, Verein für Socialpolitik, vol. 9(2), pages 173-195, May.
    5. Kifmann, Mathias, 2002. "Community rating in health insurance and different benefit packages," Journal of Health Economics, Elsevier, vol. 21(5), pages 719-737, September.
    6. Stefan Felder, 2006. "Risk Adjustment Schemes in Social Health Insurance: Adjusting for Cost Differences Between Insurance Plans," FinanzArchiv: Public Finance Analysis, Mohr Siebeck, Tübingen, vol. 61(4), pages 500-515, February.
    7. Richter, Andreas & Weber, Frederik, 2009. "Mortality-Indexed Annuities," Discussion Papers in Business Administration 10994, University of Munich, Munich School of Management.
    8. Mathias Kifmann, 2005. "Health insurance in a democracy: Why is it public and why are premiums income related?," Public Choice, Springer, vol. 124(3), pages 283-308, September.
    9. Annette Hofmann & Mark Browne, 2013. "One-sided commitment in dynamic insurance contracts: Evidence from private health insurance in Germany," Journal of Risk and Uncertainty, Springer, vol. 46(1), pages 81-112, February.
    10. Florian Baumann & Volker Meier & Martin Werding, 2008. "Transferable Ageing Provisions in Individual Health Insurance Contracts," German Economic Review, Verein für Socialpolitik, vol. 9(3), pages 287-311, August.
    11. Friedrich Breyer, 2001. "Income Redistribution and the Political Economy of Social Health Insurance: Comparing Germany and Switzerland," Discussion Papers of DIW Berlin 253, DIW Berlin, German Institute for Economic Research.

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