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Fairer Systemwettbewerb zwischen gesetzlicher und privater Krankenversicherung

  • Kifmann, Mathias
  • Nell, Martin

Wir entwickeln einen Reformvorschlag, der den problematischen Selektionswettbewerb zwischen GKV und PKV beendet und zu einem fairen Systemwettbewerb führt. Jeder Bürger leistet einen einkommensabhängigen Beitrag zum Gesundheitsfonds und hat bei einem Wechsel in die PKV Anspruch auf risikogerechte Zahlungen aus dem Gesundheitsfonds. Die Versicherungspflichtgrenze wird gesenkt und langfristig abgeschafft. Private Versicherungen können nicht mehr allein deshalb mit Versicherten rechnen, weil diese durch einen Wechsel Solidarbeiträge vermeiden können. Die Nachhaltigkeit unseres Reformvorschlags wird durch eine Kapitalbildung gesichert.

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Paper provided by University of Hamburg, Hamburg Center for Health Economics (hche) in its series hche Research Papers with number 2013/06.

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Date of creation: 2013
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Handle: RePEc:zbw:hcherp:201301
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  1. Kifmann, Mathias, 2005. "Risk Selection and Complementary Health Insurance: The Swiss Approach," Discussion Papers, Series I 328, University of Konstanz, Department of Economics.
  2. Homburg, Stefan & Richter, Wolfram, 1990. "Eine effizienzorientierte Reform der GRV," EconStor Open Access Articles, ZBW - German National Library of Economics, pages 183-191..
  3. Martina Grunow & Robert Nuscheler, 2010. "Public and Private Health Insurance in Germany: The Ignored Risk Selection Problem," Discussion Paper Series 312, Universitaet Augsburg, Institute for Economics.
  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, 05.
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