Das präsentierte und diskutierte Modell eines sozialgebundenen Krankenversicherungswettbewerbs zeigt zum Ersten, dass ein derartiges System an vielen Stellen vom Staat reguliert werden muss. Es ist deutlich komplizierter als die bislang in der Diskussion befindlichen Lehrbuchmodelle und die...

This article examines the choice of health care in Japan by patients suffering from the common cold. Original data were obtained from a survey conducted by the authors. Empirical results show that the price elasticity of demand for medical services is between 0.23 and 0.36. This estimated price...

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...

The Netherlands, as other OECD countries, faces the challenge of providing high quality health and long-term care services to an ageing population in a cost-efficient manner. In the health care sector, reforms have aimed at introducing more competition. Despite major changes and some positive...

This Essay examines the very fragile nature of the Patient Protection and Affordable Care Act's (ACA) approach to near-universal health insurance coverage, as accentuated by a variety of implementation hurdles and challenges. The ACA's vision for expanding insurance coverage was to build on our...

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...

We study age-rating restrictions in the health insurance marketplaces introduced by the Affordable Care Act. Because most buyers are subsidized, although age-rating restrictions affect pre-subsidy premiums, participation is primarily driven by subsidy generosity rather than pricing decisions....

Two federal judges now tell us that the federal health law's individual mandate is unconstitutional. Three others disagree, and soon we will start to hear from appellate courts. But what if we put the legal arguments aside for the moment and focus on the real question: what happens to health...

During the past years we have witnessed an important number of healthcare systems reforms in the continent, being more radical in Colombia, Dominican Republic, Mexico, Turks and Caicos Islands, United States and Uruguay. As part of its CISS Health System and Insurance Report (CISS 2008), the...

Discussions of health-status discrimination permeated the debate surrounding the 2010 health-care reform legislation, infusing those conversations with the language of civil rights. However, insurance is by its very nature discriminatory. Thus, an antidiscrimination paradigm is not the...