Age and Choice in Swiss Health Insurance
نویسنده
چکیده
Elements of regulation inherent in all social health insurance systems are a uniform package of bene ts and uniform cost sharing. Both elements risk to burden the population with a welfare loss if preferences di¤er. Since the debate about rationing importantly involves age as a criterion, this study examines the relationship between age and willingness-to-pay (WTP) for modi cations in Swiss social health insurance. Through discrete choice experiments, a marked diversity of preferences with regard to health insurance parameters can be established. The ndings suggest ine¢ ciency of age-based rationing but also potential for self-rationing.
منابع مشابه
Swiss-CHAT: Citizens Discuss Priorities for Swiss Health Insurance Coverage
Background As universal health coverage becomes the norm in many countries, it is important to determine public priorities regarding benefits to include in health insurance coverage. We report results of participation in a decision exercise among residents of Switzerland, a high-income country with a long history of universal health insurance and deliberative democracy. Methods We adapted the...
متن کاملTradeoff Negotiation: The Importance of Getting in the Game; Comment on “Swiss-CHAT: Citizens Discuss Priorities for Swiss Health Insurance Coverage”
Swiss-CHAT’s playful approach to public rationing can be considered in terms of deliberative process design as well as in terms of health policy. The process’ forced negotiation of trade-offs exposed unexamined driving questions, and challenged prevalent presumptions about health care demand and about conditions of public reasoning that enable transparent rationing. While the experiment provide...
متن کاملAge and Choice in Health Insurance: Evidence from Switzerland
Elements of regulation inherent in most social health insurance systems are a uniform package of benefits and uniform cost sharing. Both elements risk to burden the population with a welfare loss if preferences differ. This suggests introducing more contracted choice; however, it is widely believed that this would not benefit the aged. This study examines the relationship between age and willin...
متن کاملHealthcare Priority-Setting: Chat-Ting Is Not Enough; Comment on “Swiss-CHAT: Citizens Discuss Priorities for Swiss Health Insurance Coverage”
CHAT has its limits. It is a three-hour exercise. However, the real world problems of healthcare rationing and priority-setting are too complex for a three-hour exercise. What is needed, as a supplement, are sustained processes of rational democratic deliberation that can address the challenges to healthcare justice posed by costly emerging medical technologies, such as these targeted cancer th...
متن کاملThe influence of supplementary health insurance on switching behaviour: evidence from Swiss data.
This paper focuses on the switching behaviour of enrolees in the Swiss basic health insurance system. Even though the new Federal Law on Social Health Insurance (LAMal) was implemented in 1996 to promote competition among health insurers in basic insurance, there is limited evidence of premium convergence within cantons. This indicates that competition has not been effective so far, and reveals...
متن کامل