Suchergebnisse

many countries have introduced competitive health insurance mechanisms, while introducing regulation to avoid risk selection and ensure solidarity between the sick and the good. The 'regulated competition' model is thus applied to basic health insurance in Switzerland, the Netherlands, Germany and Israel. It inspires the reform of health insurance in the United States. In order to analyse the functioning of such a system, the case of Switzerland is considered, looking at potential interferences between the supplementary insurance market and competition in the basic insurance market. The current organisation of health insurance in France differs from that of the Swiss system. However, the question of regulating the supplementary insurance market could be raised in the long term. Twelve years after the introduction of regulated competition, the results in Switzerland are disappointing. While for the same contract the differences in premiums between insurance companies may be very large, the proportion of policyholders changing cash remains low. Everything happens as if insured persons did not compete. Our analysis shows that the low mobility of insured persons results from the co-existence of two health insurance markets with different rules: the market for basic insurance, where risk selection is prohibited, and for supplementary insurance, where it is authorised. Estimates show that the propensity to change funds is much lower among holders of additional insurance who feel that their health is not excellent. The right to select applicants for supplementary insurance undermines competition on the basic insurance. ; Many countries have introduced competition in health insurance markets. Managed competition settings have been implemented in order to avoid risk selection problems. In Germany, the Netherlands, Switzerland and Israel citizens can choose between different providers for basic coverage. In this article, we focus on the specific case of Switzerland which implemented managed competition in basic health ...