Anreize zur Risikoselektion? Anmerkungen zum Risikostrukturausgleich in der Gesetzlichen Krankenversicherung

In: Schmollers Jahrbuch Zeitschrift für Wirtschafts- und Sozialwissenschaften, Jg. 120 (2000) ; Nr. 2, S. 187-206
ISSN: 1439-121X
Zeitschriftenaufsatz / Fach: Wirtschaftswissenschaften
Abstract:
Abstract: Risk adjustment schemes (RAS) within social insurance are designed to prevent health insurers from engaging in risk selection. We show that the current German RAS still creates incentives for insurers to select risk. In particular the geographic range of RAS, the age-adjusters and financing health insurance by means of wage contributions rather than premiums create incentives for risk selection. We discuss alternative to RAS such as health
insurance premiums complemented by means tested transfers which could reduce some of the incentive problems.

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