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
Publisher:	Munich : Center for Economic Studies and ifo Institute (CESifo)
Subject:	Gesetzliche Krankenversicherung \| Wettbewerb \| Gesundheitsfinanzierung \| Sozialversicherungsbeitrag \| Gesundheitsprämie \| Wohlfahrtseffekt \| Theorie \| Gesundheitsreform \| Deutschland \| health care reform \| competition \| consumer choice

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Series:	CESifo Working Paper ; 3220
Type of publication:	Book / Working Paper
Type of publication (narrower categories):	Working Paper
Language:	English
Other identifiers:	639568556 [GVK] hdl:10419/46447 [Handle]
Classification:	I11 - Analysis of Health Care Markets ; I18 - Government Policy; Regulation; Public Health ; D43 - Oligopoly and Other Forms of Market Imperfection
Source:	EconStor

Persistent link: https://www.econbiz.de/10010274910