This paper deals with the phenomenon of risk-selection and its appearance in the german compulsory health insurance market since the adoption of the so-called "Gesundheitsstrukturgesetz" of 1992. Further, the "Risikostrukturausgleich" as well as other measures are discussed as instruments of...

This paper argues that equal per-capita health care premia offer no systematic advantage as an instrument of financing the welfare state. Either will simultaneous changes in the tax system be necessary to compensate their redistributive effects, in which case all efficiency gains derived from a...

Introducing compulsory health insurance for government employees bears immense importance for stepping towards universal healthcare coverage in Bangladesh. Lack of scientific study on designing such scheme, in the Bangladesh context, motivates this paper. The study aims at designing a...

The efficiency of Turkish health system, which was restructured by the health transformation framework, depends on the mutual compliance of both health service providers and demanders. The future and success of the new health system may be determined by solving problems that were generated from...

I examine whether the availability of health coverage through the spouse's health plan influences a married woman's decision to become self-employed. The Tax Reform Act of 1986 (TRA86) introduced a tax subsidy for the self-employed to purchase their own health insurance. I test whether this...

Objective: To determine the sensitivity of employees’ health insurance decisions—including the decision to not choose health maintenance organization or fee-for-service coverage—during periods of rapidly escalating healthcare costs. Study Design: A retrospective cohort study of employee...

The main objectives of this paper are to review policies on health services and to provide an assessment of public health facilities and the access of people to health care services in Vietnam. Medical facilities and staffs in public establishments have been increasing. Health insurance has been...

One of the major problems of the U.S. health insurance market is that it leaves individuals exposed to reclassification risk. Reclassification risk arises because the health conditions of individuals evolve over time, while a typical health insurance contract only lasts for one year. A change in...

This paper examines the impact of universal health coverage on cohabitation, marriage, and labor force participation. Economic gains from marriage when non-labor income increases among partners. I use the expansion of non-contributory health insurance in Mexico to test this. This insurance...

Not only does economic theory predict high-risk individuals to be more likely to purchase insurance, but insurance coverage is also thought to crowd out precautionary activities. In spite of stark theoretical predictions, there is conflicting empirical evidence on adverse selection, and evidence...