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Selbstbeteiligung als Lösung für das Moral-Hazard-Problem auf dem Arzneimittelmarkt?
[Co-payment as a solution to the moral hazard problem in the pharmaceutical market?]


  • Carolin, Hoh
  • Ivonne, Honekamp


Within the debate about the rise of costs in the German health system, the argument has put forth that patients' excessive demand for benefits is caused by the existence of a moral hazard problem. One way of influencing an insured person's consumer behaviour is the introduction of several copayment models. The first task of this work is to examine the role of moral hazard in an insured person's consumer demand for drugs. Empirical evidence of this phenomenon is a central aspect of this task. Furthermore, the question if copayment is a suitable means of control to reduce the exorbitant demand for drugs will be answered. The focus here lies on the criteria effectiveness of control, reconcilabilty with the welfare state and effectiveness in general.

Suggested Citation

  • Carolin, Hoh & Ivonne, Honekamp, 2010. "Selbstbeteiligung als Lösung für das Moral-Hazard-Problem auf dem Arzneimittelmarkt?
    [Co-payment as a solution to the moral hazard problem in the pharmaceutical market?]
    ," MPRA Paper 27425, University Library of Munich, Germany.
  • Handle: RePEc:pra:mprapa:27425

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    References listed on IDEAS

    1. Ivonne Honekamp & Daniel Possenriede, 2008. "Redistributive effects in public health care financing," The European Journal of Health Economics, Springer;Deutsche Gesellschaft für Gesundheitsökonomie (DGGÖ), vol. 9(4), pages 405-416, November.
    2. Leibowitz, Arleen & Manning, Willard G. & Newhouse, Joseph P., 1985. "The demand for prescription drugs as a function of cost-sharing," Social Science & Medicine, Elsevier, vol. 21(10), pages 1063-1069, January.
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    More about this item


    Pharmaceuticals; Co-payment; Moral hazard; Health care system; Cost explosion;

    JEL classification:

    • I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
    • P36 - Economic Systems - - Socialist Institutions and Their Transitions - - - Consumer Economics; Health; Education and Training; Welfare, Income, Wealth, and Poverty
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health

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