In the discussion about cost increase for German health care, the existence of a moral hazard problem is often mentioned. A bigger part of the costs are ascribed to the insured persons´ behavior or lifestyle. The insured person is led to an increased demand of medical services than without an insurance. But also doctors or pharmacists may be evidenced „unethical“ behavior on the part of supply-induced demand. Is it really an unethical or rather a rational behavior? Which experiences have been made with a higher self-participation of the insured people? In which context stay health care services and price elasticity? And how can you reduce the problem of moral hazard? These are just a few questions which will be examined in this paper.
The first chapter begins with health insurance in general and explains the benefits and the risks of being insured. The second chapter gives a generally valid definition of moral hazard as well as in terms of health insurance in particular. The third chapter shows the empirical perspective from the point of view of insured people and doctors. Thereby, it will enlarge on the RAND experiment and the price elasticity in the German market. The fourth chapter gives a few solutions for moral hazard effects, whereby solutions for insured people and for alternative financing are here in the focus. The last chapter will give a conclusion to the discussed topic.
TABLE OF CONTENTS
List of figures
List of tables
List of abbreviations
List of symbols
1. Introduction
2. Health insurance
3. Moral hazard
3.1 Moral hazard general
3.2 Moral hazard in health insurance
4. Empirical perspective
4.1 The RAND Health Insurance Experiment
4.2 Price elasticity for health services in the German market
4.3 Health care providers and the external moral hazard
5. Solutions of moral hazard effects
5.1 By the insured persons
5.2 Medical Savings Accounts
6. Conclusion
List of literature
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Upload your own papers! Earn money and win an iPhone X.