Managing the behavior of the medically insured in Germany: the acceptance of cost-sharing and risk premiums by members of the statutory health insurance.
In the course of the conflicts over the reform of statutory health insurance in Germany complaints about moral hazard-behavior on the part of the insured were repeatedly raised and linked to the demand for expanding managerial incentives aimed at reducing the consumption of health care benefits (copayments). However, critics and supporters of managerial incentives mostly neglect the perceptions and dispositions of the insured. In contrast, the article examines how members of the statutory health insurance scheme assess managerial intervention, namely cost-sharing and risk premiums.
Ullrich
Carsten G
CG
Universität Mannheim, Germany.
D017047:Cost Sharing / Q000706:statistics & numerical data*; D005249:Fees and Charges; D005858:Germany; D005102:Health Expenditures; D006291:Health Policy / Q000191:economics*; D006801:Humans; D017057:Medically Uninsured / Q000523:psychology*; D009313:National Health Programs / Q000191:economics*; D010342:Patient Acceptance of Health Care; D011787:Quality of Health Care; D012052:Reimbursement, Incentive / Q000706:statistics & numerical data*; D020379:Risk Adjustment; D020414:Risk Sharing, Financial / Q000706:statistics & numerical data*; D012309:Risk-Taking; D014600:Utilization Review