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文章基本信息

  • 标题:Price Elasticities and Social Health Insurance Choice in Germany: A Dynamic Panel Data Approach
  • 作者:Stefan Greß ; Marcus Tamm ; Harald Tauchmann
  • 期刊名称:Discussion Papers / Rheinisch-Westfälisches Institut für Wirtschaftsforschung
  • 印刷版ISSN:1612-3565
  • 出版年度:2005
  • 卷号:2005
  • 出版社:Rheinisch-Westfälisches Institut für Wirtschaftsforschung
  • 摘要:

    In 1996 free choice of health insurers has been introduced in the German social health insurance scheme. Competition between insurers was supposed to increase efficiency. A crucial precondition for effective competition among health insurers is that consumers search for lower-priced health insurers. We test this hypothesis by estimating the price elasticities of insurers' market shares. We use unique panel data and specify a dynamic panel model to explain changes in market shares. Estimation results suggest that short-run price elasticities are smaller than previously found by other studies. In the long-run, however, estimation results suggest substantial price effects.

  • 关键词:Competition, generalized method of moments, health insurance
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