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Innovation and risk selection in deregulated social health insurance

✍ Scribed by Hansjörg Lehmann; Peter Zweifel

Book ID
116649511
Publisher
Elsevier Science
Year
2004
Tongue
English
Weight
119 KB
Volume
23
Category
Article
ISSN
0167-6296

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## Abstract The German statutory health insurance market was exposed to competition in 1996. To limit direct risk selection the regulator required open enrollment. As the risk compensation scheme, introduced in 1994, is highly incomplete, substantial incentives for risk selection exist. Due to thei