In this paper we examine the recent change of health care policy reform in the Netherlands, which introduced elements of market competition into the system with the goals of strengthening solidarity, guaranteeing an equitable and cost-efficient health care market, and preserving individuals'...

In countries like the US and the Netherlands health insurance is provided by private firms. These private firms can offer both individual and group contracts. The strategic and welfare implications of such group contracts are not well understood. Using a Dutch data set of about 700 group health...