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Kapitaldeckung in der Gesetzlichen Krankenversicherung: zur Berechnung der finanziellen Auswirkungen eines Umstiegs vom Umlage auf das Kapitaldeckungssystem

Author

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  • Markus M. Grabka
  • Hanfried H. Andersen
  • Klaus-Dirk Henke
  • Katja Borchardt

Abstract

This paper presents the financial effects of a transition from the pay-as-you-go to a capital funded health insurance system in Germany. The focus of the following article will be on the financial need in different settings which are given by the difference of the spending for health care and the insurance contributions with an upper limit of 15% of the underlying assessment basis. Calculations made with a static microsimulation model based on the data of the German Socio Economic Panel Study (SOEP). In diesem Beitrag werden die fiskalischen Belastungen eines Umstiegs vom bestehenden Umlageverfahren zu einem kapitalgedeckten System in der Gesetzlichen Krankenversicherung (GKV) dargestellt. Mit Hilfe eines statischen Mikrosimulationsmodells, auf Basis der Daten des sozio-oekonomischen Panels (SOEP), werden die Transferzahlungen berechnet, die - unter Zugrundelegung unterschiedlicher Annahmen - in einzelnen Übergangsszenarien anfallen. Ziel ist es, den Betrag zu quantifizieren, der sich aus der Differenz der Leistungsausgaben und den Beitragseinnahmen unter Berücksichtigung einer Belastungsobergrenze von 15% der Bemessungsgrundlage ergibt. Als Grundlage für einen Krankenversicherungsbeitrag mit Kapitaldeckung wird hierbei auf Kalkulationen einer Privaten Krankenversicherung zurückgegriffen. Es wird gezeigt, wie hoch das Transfervolumen wäre, um einen Übergang in die kapitalgedeckte Krankenversicherung in der GKV zu realisieren.

Suggested Citation

  • Markus M. Grabka & Hanfried H. Andersen & Klaus-Dirk Henke & Katja Borchardt, 2002. "Kapitaldeckung in der Gesetzlichen Krankenversicherung: zur Berechnung der finanziellen Auswirkungen eines Umstiegs vom Umlage auf das Kapitaldeckungssystem," Discussion Papers of DIW Berlin 275, DIW Berlin, German Institute for Economic Research.
    • Handle: RePEc:diw:diwwpp:dp275
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    References listed on IDEAS

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    1. Cassel, Dieter, 2001. "Demographischer Wandel - Folgen für die gesetzliche Krankenversicherung," Wirtschaftsdienst – Zeitschrift für Wirtschaftspolitik (1949 - 2007), ZBW - Leibniz Information Centre for Economics, vol. 81(2), pages 87-91.
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    5. Börsch-Supan, Axel, 1998. "Zur deutschen Diskussion eines Übergangs vom Umlage- zum Kapitaldeckungsverfahren in der Gesetzlichen Rentenversicherung," Sonderforschungsbereich 504 Publications 98-41, Sonderforschungsbereich 504, Universität Mannheim;Sonderforschungsbereich 504, University of Mannheim.
    6. Wolfgang Buchholz & Birgit Edener & Markus Grabka & Klaus-Dirk Henke & Monika Huber & Hermann Ribhegge & Andreas Ryll & Hans-Jürgen Wagener & Gert G. Wagner, 2001. "Wettbewerb aller Krankenversicherungen kann Qualität verbessern und Kosten des Gesundheitswesens senken," Discussion Papers of DIW Berlin 247, DIW Berlin, German Institute for Economic Research.
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    1. Grabka, Markus M. & Andersen, Hanfried H. & Henke, Klaus-Dirk & Borchardt, Katja, 2003. "Kapitaldeckung für die GKV? Zur Berechnung der finanziellen Auswirkungen eines Umstiegs vom Umlage- auf das Kapitaldeckungssystem," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 123, pages 265-283.
    2. Henke, Klaus-Dirk & Borchardt, Katja & Schreyögg, Jonas & Farhauer, Oliver, 2003. "Eine ökonomische Analyse unterschiedlicher Finanzierungsmodelle der Krankenversorgung in Deutschland," Discussion Papers 2003/4, Technische Universität Berlin, School of Economics and Management.
    3. Borchardt, Katja & Farhauer, Oliver, 2003. "Kapitaldeckung als Antwort auf die demographische Herausforderung?," Discussion Papers 2003/6, Technische Universität Berlin, School of Economics and Management.
    4. Günther Neubauer & Peter Zweifel & Michael Breuer, 2002. "Wie viel Marktwirtschaft für das deutsche Gesundheitswesen?," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 55(17), pages 3-14, September.

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