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Title:Price elasticities and social health insurance choice in Germany: a dynamic panel data approach PDF Logo
Authors:Greß, Stefan
Tamm, Marcus
Tauchmann, Harald
Wasem, Jürgen
Issue Date:2005
Series/Report no.:RWI Discussion Papers 28
Abstract: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.
Subjects:Competition
generalized method of moments
health insurance
JEL:C33
I18
Document Type:Working Paper
Appears in Collections:RWI Discussion Papers
Publikationen von Forscherinnen und Forschern des RWI

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