This paper exploits rich SOEP microdata to analyze state-level variation in health care utilization in Germany. Unlike … individual-level and state-level factors that may contribute to the geographic variation in health care utilization. The raw data …-level differences vanish once we control for individual-level socio-economic characteristics, the respondents¿ health status, their …

effectiveness of four different health care cost containment measures within an integrated framework. The four measures investigated … were introduced in Germany in 1997 to reduce moral hazard and public health expenditures in the market for convalescent … health spa stays did not significantly reduce demand. …

This paper provides field evidence on (a) how price framing affects consumers' decision to switch health insurance … plans and (b) how the price elasticity of demand for health insurance can be influenced by policymakers through simple … regulatory efforts. In 2009, in order to foster competition among health insurance companies, German federal regulation required …

To equalize differences in health plan premiums due to differences in risk pools, the German legislature introduced a …, consumers gained the freedom to choose among hundreds of existing health plans, across employers and state-borders. This paper … market price dispersion. Moreover, it (b) characterizes health plan switchers and their annual and cumulative switching rates …

levels of health care spending, controlling for past health care use. We estimate the demand elasticity of total health care …

Using a randomized field experiment, we show that health care specialists cream-skim patients by their expected …. Our findings show that structural differences in reimbursement rates lead to structural differences in health care access. …

Using a randomized field experiment, we show that health care specialists cream-skim patients by their expected …. Our findings show that structural differences in reimbursement rates lead to structural differences in health care access. …

To insure policyholders against contemporaneous health expenditure shocks and future reclassification risk, long …-term health insurance constitutes an alternative to community-rated short-term contracts with an individual mandate. In this paper …, we study the German long-term health insurance (GLTHI) from a life-cycle perspective. The GLTHI is one of the few real …

To insure policyholders against contemporaneous health expenditure shocks and future reclassification risk, long …-term health insurance constitutes an alternative to community-rated short-term contracts with an individual mandate. Relying on … unique claims panel data from a large private insurer in Germany, we study a real-world long-term health insurance …