Beitragssatz, Kassenwettbewerb und Gesundheitsreform / Premium Rates, Competition Among Health Insurance Funds and the Health Care Reform 2007: Eine empirische Analyse / An Empirical Analysis

Andersen Hanfried H. (), Markus Grabka and Schwarze Johannes ()
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Andersen Hanfried H.: Technische Universität Berlin, Institut für Volkswirtschaftslehre und Wirtschaftsrecht, Straße des 17. Juni 135, 10623 Berlin, Germany
Schwarze Johannes: Otto-Friedrich-Universität Bamberg, Fakultät für Sozial- und Wirtschaftswissenschaften, Lehrstuhl für Volkswirtschaftslehre, insb. Empirische Mikroökonomik, 96045 Bamberg, Germany Otto-Friedrich-Universität Bamberg, Fakultät für Sozial- und Wirtschaftswissenschaften, Lehrstuhl für Volkswirtschaftslehre, insb. Empirische Mikroökonomik, 96045 Bamberg, Germany. DIW Berlin und IZA Bonn

Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), 2007, vol. 227, issue 5-6, 429-450

Abstract: The premium rates paid for statutory health insurance in Germany play a key role in the competition among health care funds. With the most recent health care reform (GKV-Wettbewerbsstärkungsgesetz GKV-WSG), a range of new products have been introduced that could erode the advantageous selling proposition of the premium rates. In addition to the pure monetary incentive to change health insurance provider, the new products include aspects that are becoming increasingly important to insured persons, such as the assessment of their own morbidity and the level and quality of health care provision. We find that current morbidity, experiences in morbidity, and expectations about morbidity will gain in importance when choosing health care provider.Using micro-data for the years 1999 to 2004 from the German Socio-Economic Panel study (SOEP), we investigate the willingness to change health provider in a multivariate setting. The SOEP data will be matched with register information about premium rates of all statutory health insurance funds in Germany. Applying a multinomial logit model, we show that there are two prototypes of insured people who change funds. The characteristics of those who changed funds can be used to evaluate the future developments in statutory health insurance in Germany, assuming that customer mobility will continue to increase.

Keywords: Statutory health insurance; change of sickness funds; preferences; customer mobility; health care reform; SOEP; Statutory health insurance; change of sickness funds; preferences; customer mobility; health care reform; SOEP (search for similar items in EconPapers)
Date: 2007
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Citations: View citations in EconPapers (4)

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Persistent link: https://EconPapers.repec.org/RePEc:jns:jbstat:v:227:y:2007:i:5-6:p:429-450

DOI: 10.1515/jbnst-2007-5-603

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