Price competition among Dutch sickness funds
作者： Marco Varkevisser , Stéphanie van der Geest
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摘要: textabstractIn general, competition enhances efficiency. On the market for health insurance free competition, however, has unwanted side-effects. The existence of asymmetrical information can lead to adverse selection and cream skimming. Adequate risk-adjustment removes incentives skimming balances negative consequences selection. In an attempt enhance efficiency, Dutch government in 1992 introduced price between social insurers combination with risk-adjusted capitation payments. Our estimation results indicate that this not resulted altering shares. Relatively cheap did enlarge their share at expense relatively expensive competitors. The introduction among been success hoped for. Experiences Belgium Germany show difficulties are exceptional. When equity considerations high valued features a system, it is difficult introduce competition. To we recommend current formula should be refined given more room selective contracting care providers.
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