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Selbstbeteiligung als Lösung für das Moral-Hazard-Problem auf dem Arzneimittelmarkt?
[Co-payment as a solution to the moral hazard problem in the pharmaceutical market?]

Author

Listed:
  • Carolin, Hoh
  • Ivonne, Honekamp

Abstract

Within the debate about the rise of costs in the German health system, the argument has put forth that patients' excessive demand for benefits is caused by the existence of a moral hazard problem. One way of influencing an insured person's consumer behaviour is the introduction of several copayment models. The first task of this work is to examine the role of moral hazard in an insured person's consumer demand for drugs. Empirical evidence of this phenomenon is a central aspect of this task. Furthermore, the question if copayment is a suitable means of control to reduce the exorbitant demand for drugs will be answered. The focus here lies on the criteria effectiveness of control, reconcilabilty with the welfare state and effectiveness in general.

Suggested Citation

  • Carolin, Hoh & Ivonne, Honekamp, 2010. "Selbstbeteiligung als Lösung für das Moral-Hazard-Problem auf dem Arzneimittelmarkt? [Co-payment as a solution to the moral hazard problem in the pharmaceutical market?]," MPRA Paper 27425, University Library of Munich, Germany.
    • Handle: RePEc:pra:mprapa:27425
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    References listed on IDEAS

    as
    1. Rainer Winkelmann, 2004. "Co‐payments for prescription drugs and the demand for doctor visits – Evidence from a natural experiment," Health Economics, John Wiley & Sons, Ltd., vol. 13(11), pages 1081-1089, November.
    2. Leibowitz, Arleen & Manning, Willard G. & Newhouse, Joseph P., 1985. "The demand for prescription drugs as a function of cost-sharing," Social Science & Medicine, Elsevier, vol. 21(10), pages 1063-1069, January.
    3. Ivonne Honekamp & Daniel Possenriede, 2008. "Redistributive effects in public health care financing," The European Journal of Health Economics, Springer;Deutsche Gesellschaft für Gesundheitsökonomie (DGGÖ), vol. 9(4), pages 405-416, November.
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    More about this item

    Keywords

    Pharmaceuticals; Co-payment; Moral hazard; Health care system; Cost explosion;
    All these keywords.

    JEL classification:

    • I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
    • P36 - Political Economy and Comparative Economic Systems - - Socialist Institutions and Their Transitions - - - Consumer Economics; Health; Education and Training; Welfare, Income, Wealth, and Poverty
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health

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