RWI Positionen

RWI Positionen 59

Kehrtwende in der Gesundheitspolitik - Unnötige Abkehr von einer erfolgreichen Reform zur Finanzierung der gesetzlichen Krankenversicherung

by Boris Augurzky, Ulrich Roppel and Hendrik Schmitz

07/2014, 14 S./p., ISBN 978-3-86788-565-2



In 2009, the German federal government took a step in the right direction: it demanded from companies of the statutory health insurance system to generate parts of their funding by additional flat fee payments from their insurants. These additional payments were to be billed in absolute Euro value instead of a relative percentage of the insurants’ income. Consequently, transparency and competition among health insurance companies increased in response to this legislative change. However, in the election year 2013, politicians got scared of their own successful reform: They heavily increased payments into the “Gesundheitsfonds” (German Health Fund), in which all insurants’ wage-related contributions are collected. In consequence, no insurance company was any longer in the need of generating additional funding by a direct flat fee payment and hence the competition stalled. Recent political decisions to reform once again the financing mode of the German health insurance sector will head even further backwards. The effective flat fee payments will be abolished and replaced by wage-related additional payments of the insurants, which are automatically held back by their employers. As a result, there will be less transparency for the insurants and consequently less competition.