Deductibles in health insurance are often regarded as a means to contain health care costs when individuals exhibit moral hazard. However, in the absence of moral hazard, voluntarily chosen deductibles may instead lead to self-selection into different insurance contracts. We use a set of new...

This paper shows that patients with private health insurance (PHI) are being offered significantly shorter waiting times than patients with statutory health insurance (SHI) in German acute hospital care. This behavior may be driven by the higher expected profitability of PHI relative to SHI...

In 2003 the Government of Ghana established a National Health Insurance Scheme (NHIS) to improve health care access for Ghanaians and eventually replace the cash-and-carry system. This study evaluates the NHIS to determine whether it is fulfilling its purpose in the context of the Millennium...

The Knappschaft underlies Bismarck's sickness and accident insurance legislation (1883 and 1884), which in turn forms the basis of the German social-insurance system today and, indirectly, many social-insurance systems around the world. The Knappschaften were formed in the medieval period to...

This paper contributes to the analysis of policy measures that attempt to reduce health care expenditures of insurers. We examine the impact of a cash bonus program for preventive health behavior of a German health insurer on prevention eff ort and health care expenditures using a unique...

Amidst demographic shifts, advanced economies are facing critical nursing shortages. This study analyzes strategies of German nursing care providers to address these shortages using administrative data for the period 2007 to 2017. Our analysis reveals that higher nursing shortages correlate with...

Public investment in hospitals in Germany has been insufficient for decades, making it difficultto finance digitization. Due to dual financing, hospitals could alternatively use their own profitsto pay for digitization efforts. This raises the question of whether there is a relationship...

We study the effects of general practitioners' (GPs') resignations on their patients' healthcare utilization, diagnoses, and mortality in an event-study setting. Using claims data from a large German statutory health insurance, we find that after physicians leave, their former patients...

Hospital digitalization is to reduce costs, increase efficiency and productivity, and to improve quality of care. However, the literature lacks clarity on the meaning of "hospital digitalization," how to measure it, and what quality it might affect. We use data from the DigitalRadar project from...

It is well known that smoking causes severe adverse health effects, and it seems evident that governments are justified or even obliged to implement measures of tobacco control to mitigate these effects. Yet, as this paper argues with a distinct focus on Germany, the three most important and...