In response to increasing health expenditures and a high number of physician visits, the German government introduced a copayment for ambulatory care in 2004 for individuals with statutory health insurance (SHI). Because persons with private insurance were exempt from the copayments, this health...

The Household Finance and Consumption Survey (HFCS) provides information about household wealth (real and financial assets as well as liabilities) from 15 Euro-countries after the financial crisis of 2007/8. The survey will be the central dataset in this topic in the future. However, several...

This paper presents the financial effects of a transition from the pay-as-you-go to a capital funded health insurance system in Germany. The focus of the following article will be on the financial need in different settings which are given by the difference of the spending for health care and...