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Einbeziehung der privaten Krankenvollversicherung in den Risikostrukturausgleich der gesetzlichen Krankenversicherung in Deutschland: Abschätzung der quantitativen Auswirkungen

Author

Listed:
  • Lüngen, Markus
  • Stollenwerk, Björn
  • Gerber, Andreas
  • Lauterbach, Karl W.

Abstract

Germany's risk-adjustment scheme (RAS) includes the statutory health insurance (SHI), but not the full private health insurance (PHI). We analyzed that the expansion of the RAS to the PHI would cause a transfer of 9.9 billion Euros per year from the PHI to the SHI (thresholds of relevant income of 2006) We used the SOEP Data set, which is assumed to be representative for Germany. However, we could not evaluate, which health plan within the PHI or SHI would face a financial burden or relief an how the transfer could be implemented in existing organizational frames.

Suggested Citation

  • Lüngen, Markus & Stollenwerk, Björn & Gerber, Andreas & Lauterbach, Karl W., 2007. "Einbeziehung der privaten Krankenvollversicherung in den Risikostrukturausgleich der gesetzlichen Krankenversicherung in Deutschland: Abschätzung der quantitativen Auswirkungen," German Risk and Insurance Review (GRIR), University of Cologne, Department of Risk Management and Insurance, vol. 3(2), pages 45-57.
    • Handle: RePEc:zbw:grirej:68734
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    References listed on IDEAS

    as
    1. Friedrich Breyer & Mathias Kifmann & Erika Schulz, 2001. "Risikostrukturausgleich am Scheideweg: Senkung der Wirtschaftlichkeitsanreize für die Krankenkassen sollte vermieden werden," DIW Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 68(14), pages 213-219.
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    2. Dieterich, Felix, 2005. "Risikoselektion und Risikoausgleich am Beispiel der gesetzlichen Krankenkassen in Deutschland," Discussion Papers in Economics 718, University of Munich, Department of Economics.

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