A Simple Model of Health Insurance Competition

Alexander Kemnitz

German Economic Review, 2013, vol. 14, issue 4, 432-448

Abstract: This study investigates competition between health insurance companies under different financing regulations. We consider two alternatives advanced in recent German healthcare reform discussions: competition by contribution rates (health contributions) and by fees (health premia). We find that contribution rate competition yields lower company profits and higher consumer welfare than premia competition when switching between insurance companies is costly.

Keywords: Healthcare reform; competition; consumer choice (search for similar items in EconPapers)
Date: 2013
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Journal Article: A Simple Model of Health Insurance Competition (2013)
Working Paper: A Simple Model of Health Insurance Competition (2010)
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DOI: 10.1111/j.1468-0475.2012.00573.x

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