A simple model of health insurance competition

This paper investigates competition between health insurance companies under different financing regulations. We consider two alternatives advanced in recent German health care 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.

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Year of publication:	2010
Authors:	Kemnitz, Alexander
Institutions:	Fakultät Wirtschaftswissenschaften, Technische Universität Dresden
Subject:	Health Care Reform \| Competition \| Consumer Choice

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Extent:	application/pdf
Series:	Dresden Discussion Paper Series in Economics. - ISSN 0945-4829.
Type of publication:	Book / Working Paper
Language:	English
Notes:	Number 09/10
Classification:	I11 - Analysis of Health Care Markets ; I18 - Government Policy; Regulation; Public Health ; D43 - Oligopoly and Other Forms of Market Imperfection
Source:	RePEc - Research Papers in Economics

Persistent link: https://www.econbiz.de/10009226248