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Preferences for Health Insurance in Germany and the Netherlands � A Tale of Two Countries

Author

Listed:
  • Peter Zweifel

    () (Socioeconomic Institute, University of Zurich)

  • Karolin Leukert

    () (Polynomics, Olten)

  • Stephanie Berner

    () (Polynomics, Olten)

Abstract

This contribution contains an international comparison of preferences. Using two Discrete Choice Experiments (DCE), it measures willingness to pay for health insurance attributes in Germany and the Netherlands. Since the Dutch DCE was carried out right after the 2006 health reform, which made citizens explicitly choose a health insurance contract, two research questions naturally arise. First, are the preferences with regard to contract attributes (such as Managed-Care-type restrictions of physician choice) similar between the two countries? Second, was the information campaign launched by the Dutch government in the context of the reform effective in the sense of reducing status quo bias? Based on random-effects Probit estimates, these two questions can be answered as follows. First, while much the same attributes have positive and negative willingness to pay values in the two countries, their magnitudes differ, pointing to differences in preference structure. Second, status quo bias in the Netherlands is one-half of the German value, suggesting that Dutch consumers were indeed made to bear the cost of decision making associated with choice of a health insurance contract.

Suggested Citation

  • Peter Zweifel & Karolin Leukert & Stephanie Berner, 2010. "Preferences for Health Insurance in Germany and the Netherlands � A Tale of Two Countries," SOI - Working Papers 1002, Socioeconomic Institute - University of Zurich.
  • Handle: RePEc:soz:wpaper:1002
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    File URL: http://www.econ.uzh.ch/static/wp_soi/wp1002.pdf
    File Function: first version, 2010
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    Cited by:

    1. Christian Pfarr & Andreas Schmid, 2016. "Redistribution through social health insurance: evidence on citizen preferences," The European Journal of Health Economics, Springer;Deutsche Gesellschaft für Gesundheitsökonomie (DGGÖ), vol. 17(5), pages 611-628, June.

    More about this item

    Keywords

    preference measurement; willingness to pay; health insurance; discrete-choice experiments; health reform; Germany; Netherlands;

    JEL classification:

    • C25 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions; Probabilities
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health

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