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Wettbewerb ohne Risikoselektion auf dem deutschen Krankenversicherungsmarkt

In: List Forum Band 30

Author

Listed:
  • Markus Jankowski
  • Anne Zimmermann

Abstract

Risk Selection is an issue in social health insurance in Germany as well as in private health insurance markets with long-term contracts. The inducement to primariliy select healthier insurants (cream skimming) is high. For community-rated systems there are attempts to install a morbidity-oriented risk-adjustment scheme. In private insurance markets risk-adjusted transferable ageing provisions should avoid risk selection. We claim that it is not possible to completely specify a morbidity-related risk adjustment scheme. Risk Selection cannot be prevented entirely. Furthermore, there are no inducements for insurance to strenghen prevention because expenses can be collectivized by way of the of risk-adjustment scheme. It is possible to solve both issues by combining equivalent premiums with transferable risk-adjusted ageing provisions, without jeopardizing affordable insurance premiums for insurants with higer risks. (Original text only available in german language)

Suggested Citation

  • Markus Jankowski & Anne Zimmermann, 2004. "Wettbewerb ohne Risikoselektion auf dem deutschen Krankenversicherungsmarkt," List Forum Chapter, in: List Gesellschaft e.V. (ed.), List Forum Band 30, edition 1, volume 1, chapter 1, pages 1-19, List Gesellschaft e.V..
    • Handle: RePEc:lst:lfchap:30-01
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    Citations

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    Cited by:

    1. Susanna Kochskämper, 2012. "Reformdebatten in der Krankenversicherung vor dem Hintergrund des europäischen Binnenmarktes," Otto-Wolff-Institut Discussion Paper Series 02/2012, Otto-Wolff-Institut für Wirtschaftsordnung, Köln, Deutschland.
    2. Markus Jankowski & Anne Zimmermann, 2004. "Versicherungspflichtige Leistungen in einer obligatorischen Krankenversicherung," Otto-Wolff-Institut Discussion Paper Series 01/2004, Otto-Wolff-Institut für Wirtschaftsordnung, Köln, Deutschland.
    3. Christine Arentz & Johann Eekhoff & Susanna Kochskämper, 2012. "Private health insurance: a role model for European health systems," The European Journal of Health Economics, Springer;Deutsche Gesellschaft für Gesundheitsökonomie (DGGÖ), vol. 13(5), pages 615-621, October.

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