Using Experiences from the U.S. to Implement Health Savings Accounts in German Statutory Health Insurance
Renate Lange and
Schmollers Jahrbuch : Journal of Applied Social Science Studies / Zeitschrift für Wirtschafts- und Sozialwissenschaften, 2012, vol. 132, issue 1, 27-52
This paper discusses suitable ways to implement Health Savings Accounts (HSAs) in German Statutory Health Insurance (SHI) building on the introduction of so-called Flexible Health Plans (“Wahltarife”) according to Sec. 53 para. 1 Social Security Code V in 2007, which allows insurers in SHI to offer greater variety of health plans. Our focus is on the adaptability of SHI. On the one hand, the possibility to offer products differing from universal health coverage for insurers in the SHI market provides an excellent opportunity to introduce HSAs. On the other hand, we strongly believe that HSAs can lead to significant improvements in SHI. Our approach can easily be implemented into the existing system, whereby introducing HSAs in combination with High-Deductible Health Plans (HDHPs) will tackle a significant number of current problems inherent to German SHI. The introduction of significant out-of-pocket payments will induce the insured to consume medical care in a more conscious way and thereby reduce the occurring costs.
JEL-codes: G22 I11 I18 (search for similar items in EconPapers)
References: Add references at CitEc
Citations Track citations by RSS feed
Downloads: (external link)
Access to full text is restricted to subscribers (2008 onwards); Pay-per-view access from http://www.genios.de (2000 onwards with 2 years moving wall) and http://ejournals.duncker-humblot.de/loi/schm (2008 onwards)
This item may be available elsewhere in EconPapers: Search for items with the same title.
Export reference: BibTeX
RIS (EndNote, ProCite, RefMan)
Persistent link: https://EconPapers.repec.org/RePEc:aeq:aeqsjb:v132_y2012_i1_q1_p27-52
Ordering information: This journal article can be ordered from
http://www.duncker-h ... llersjahrbuch-1.html
Access Statistics for this article
Schmollers Jahrbuch : Journal of Applied Social Science Studies / Zeitschrift für Wirtschafts- und Sozialwissenschaften is currently edited by Gert G. Wagner and Joachim Wagner
More articles in Schmollers Jahrbuch : Journal of Applied Social Science Studies / Zeitschrift für Wirtschafts- und Sozialwissenschaften from Duncker & Humblot, Berlin
Bibliographic data for series maintained by Gabriele Freudenmann ().