We consider a setting of dual practice, where a physician offers free public treatment and, if allowed, a private treatment for which patients have to pay out of pocket. Private treatment is superior in terms of health outcomes but more costly and time intensive. For the latter reason it...

Health care financing and funding are usually analyzed in isolation. This paper combines the corresponding strands of the literature and thereby advances our understanding of the important interaction between them. We investigate the impact of three modes of health care financing, namely,...

While risk selection within the German public health insurance system has received considerable attention, risk selection between public and private health insurers has largely been ignored. This is surprising since – given the institutional structure – risk selection between systems is...

While risk selection within the German public health insurance system has received considerable attention, risk selection between public and private health insurers has largely been ignored. This is surprising since - given the institutional structure - risk selection between systems is likely...

Seit 1996 können die Versicherten in der gesetzlichen Krankenversicherung Deutschlands (GKV) ihre Krankenkasse frei wählen. Der Wettbewerb zwischen den Kassenwurde damit erheblich verstärkt. Wegen des Verbots risikoabhängiger Prämien (Diskriminierungsverbot) haben die Krankenkassen einen...