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Pareto-Verbesserungen in der Sozialversicherung durch Selbstselektion ihrer Mitglieder

Author

Listed:
  • Michael Breuer

    (Socioeconomic Institute, University of Zurich)

Abstract

In der Sozialversicherung gelten Risikoselektionen als unerwuenscht, weil sie die Gefahr mit sich bringen, dass der einheitliche Risikopool in der Sozialversicherung aufgespalten und die sozialpolitisch gewuenschten Umverteilungsstroeme zwischen den Versicherten reduziert werden. Der Beitrag zeigt am Beispiel der sozialen Krankenversicherung in der Schweiz und der Bundesrepublik Deutschland auf, dass die Selbstselektion von Versicherten in der Sozialversicherung produktiv, das heisst wohlfahrtssteigernd eingesetzt werden kann, ohne den �solidarischen� Charakter der Sozialversicherung in Frage zu stellen. Konkret wird vorgeschlagen, den Versicherten innerhalb eines durch einen Risikoausgleich gestuetzten Wettbewerbs zwischen den Krankenkassen eine groessere Wahlfreiheit ueber die Hoehe des Versicherungsschutzes einzuraeumen. Fuer Versicherte mit niedrigem Risiko oder hohem Einkommen kann es sinnvoll sein, ihren Versicherungsschutz innerhalb der Sozialversicherung zu reduzieren, obwohl sie dann aufgrund des konstanten Transfers an andere Versicherte der sozialen Krankenversicherung einen hoeheren Preis pro Einheit Sozialversicherungsschutz zu zahlen haben.

Suggested Citation

  • Michael Breuer, 1998. "Pareto-Verbesserungen in der Sozialversicherung durch Selbstselektion ihrer Mitglieder," SOI - Working Papers 9804, Socioeconomic Institute - University of Zurich, revised Dec 1998.
    • Handle: RePEc:soz:wpaper:9804
    as

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    File URL: https://www.zora.uzh.ch/id/eprint/51849/1/wp9804.pdf
    File Function: Revised version, 1998
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    References listed on IDEAS

    as
    1. Mitchell, Olivia S & Zeldes, Stephen P, 1996. "Social Security Privatization: A Structure for Analysis," American Economic Review, American Economic Association, vol. 86(2), pages 363-367, May.
    2. Michael Rothschild & Joseph Stiglitz, 1976. "Equilibrium in Competitive Insurance Markets: An Essay on the Economics of Imperfect Information," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 90(4), pages 629-649.
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    More about this item

    Keywords

    self selection; social insurance; Germany;
    All these keywords.

    JEL classification:

    • H55 - Public Economics - - National Government Expenditures and Related Policies - - - Social Security and Public Pensions
    • H23 - Public Economics - - Taxation, Subsidies, and Revenue - - - Externalities; Redistributive Effects; Environmental Taxes and Subsidies

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