Nuscheler, Robert - In: Vierteljahrshefte zur Wirtschaftsforschung / Quarterly … 73 (2004) 4, pp. 528-538
In 1996, free choice of sickness fund was given to those insured under the German Public Health Insurance System, thus significantly intensifying competition among funds. As funds must not charge risk-related premiums (community rating), there are substantial selection incentives, i.e. funds...
