A common approach to avoid risk selection in health insurance markets is to define and enforce a community-rated basic benefit package. The market for complementary insurance is usually completely separate from the market for basic health insurance. In Switzerland, however, the basic benefit...

Seit 1981 besteht in Chile ein privates Krankenversicherungssystem, dem 1995 über ein Viertel der Bevölkerung angehörte. Diese Arbeit untersucht dieses System aus ökonomischer Sicht. Im Mittelpunkt der Analyse stehen die Anreizwirkungen staatlicher Vorschriften für die Gestaltung privater...

This paper examines the trade-off between risk allocation and quality supply for an insurance monopolist when individuals face two kinds of risk related to health. First, they may suffer an ordinary monetary loss. Second, they are subject to uncertain premiums because their type may change. We...