A Simple Model of Health Insurance Competition

Alexander Kemnitz

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A Simple Model of Health Insurance Competition

机译：健康保险竞赛的简单模型

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摘要

This study investigates competition between health insurance companies under different financing regulations. We consider two alternatives advanced in recent German healthcare reform discussions: competition by contribution rates (health contributions) and by fees (health premia). We find that contribution rate competition yields lower company profits and higher consumer welfare than premia competition when switching between insurance companies is costly.

机译：本研究调查了不同融资法规下健康保险公司之间的竞争。我们认为在最近的德国医疗改革讨论中提出了两种替代方案：按缴费率（卫生缴费）和按费用（卫生费率）竞争。我们发现，在保险公司之间进行换股的成本高昂时，贡献率竞争产生的费用比溢价竞争产生的公司利润和消费者福利更高。

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来源
《German economic review》 |2013年第4期|432-448|共17页
作者
Alexander Kemnitz;
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作者单位

Department of Business and Eco-nomics, TU Dresden and CESifo, D-01062 Dresden, Germany;

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原文格式 PDF
正文语种 eng
中图分类
关键词
Healthcare reform; competition; consumer choice;

机译：医疗改革;竞争;消费者的选择;

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1. A Living Model Of Managed Competition: A Conversation With Dutch Health Minister Ab Klink-The Dutch government's centrist approach to health reform with an individual insurance mandate could provide another model for U.S. reform efforts. [J] . Alain Enthoven Health affairs . 2008,第3a4Suppla期

机译：一种管理竞争的生存模型：与荷兰卫生部长Ab Klink的对话-荷兰政府对医疗改革实行个人主义授权的中间派方法可能为美国的改革提供另一种模式。
2. Competition between health maintenance organizations and nonintegrated health insurance companies in health insurance markets [J] . Edmond Baranes, David Bardey Health Economics Review . 2015,第1期

机译：健康维护市场中健康维护组织与非综合性健康保险公司之间的竞争
3. Assessing the relationship between healthcare market competition and medical care quality under Taiwan's National Health Insurance programme [J] . Liao Chih-Hsien, Lu Ning, Tang Chao-Hsiun, European journal of public health . 2018,第6期

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4. Is Supplementary Health Insurance an Effective Supplement to Basic Health Insurance in China? a Two-part Model and Quantile Approach [C] . Hao Yang International Conference on Public Management and Intelligent Society . 2021

机译：补充健康保险是中国基本健康保险的有效补充吗？两件式模型和分位式方法
5. Competition in the Market of Health Insurance and Health Care Utilization [D] . Wang, Ye. 2017

机译：健康保险和医疗利用市场的竞争
6. Competition between health maintenance organizations and nonintegrated health insurance companies in health insurance markets [O] . Edmond Baranes, David Bardey 2015

机译：健康保险市场中健康维护组织与非综合性健康保险公司之间的竞争
7. A Simple Model of Health Insurance Competition [O] . Alexander Kemnitz 2013

机译：一个简单的健康保险竞争模型

A Simple Model of Health Insurance Competition

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