Die Vorschläge der Monopolkommission zur Ausweitung des Wettbewerbs um Bestandskunden in der Privaten Krankenversicherung (PKV) sowie die daran geäußerte Kritik werden vorgestellt und einer Analyse unterzogen. Es wird deutlich, dass die Übertragbarkeit einer risikogerechten Alterungsr...

We study the link between illness severity and the use of public health care services by the privately insured under a public health system. Our theoretical model shows that this relationship will depend on the prioritization established by the public health authorities, the cost of waiting and...

This paper analyzes the impact of type of insurance, income, and reason for appointment on waiting time for an appointment and waiting time in the physician's practice in the outpatient sector. Data were obtained from a German patient survey conducted between 2007 and 2009. We differentiated...

Health insurance is potentially subject to risk selection, i.e. adverse selection on the part of consumers and cream skimming on the part of insurers. Adverse selection models predict that competitive health insurers can eschew high-risk individuals by offering contracts with low deductibles or...

When premiums are community-rated, risk adjustment (RA) serves to mitigate competitive insurers'; incentive to select favorable risks. However, unless fully prospective, it also undermines their incentives for efficiency. By capping its volume, one may try to counteract this tendency, exposing...

This paper sheds light on some unexpected consequences of health insurance regulation that may pose a big challenge to insurers' risk management. Because mandated uniform contributions to health insurance trigger risk selection efforts risk adjustment (RA) schemes become necessary. A good deal...

This contribution seeks to answer two related questions. First, what is the purpose of social health insurance? Or put in slightly different terms, what are the reasons for social (or public) health insurance to exist, even to dominate private health insurance in most developed countries? And...

When health plans compete under adverse selection, the competitive equilibrium set of contracts is unique. However, the allocation of these contracts among health plans is undetermined. We show that three health plans suffice to sustain an equilibrium where each health plan offers a single...

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...

This paper compares public health care with private health insurance in an overlapping generations endogenous growth model. It is shown that economic growth is higher when there is a private health insurance.