Regulated Competition in Health Insurance Markets on Two Sides of the Atlantic.
Many high-income countries implement their policy of universal health insurance by individual health insurance in combination with regulated competition among insurers. Supported by public intervention, regulated competition can, in principle, address market failures in health insurance and smooth o...
| Publicado en: | Journal of Economic Perspectives Vol. 40; no. 2; pp. 43 - 69 |
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| Autores principales: | , , , |
| Formato: | Artículo |
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American Economic Association
Spring2026
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| Acceso en línea: | Ver este registro en EBSCOhost |
| fields | @attributes: recordID: 1 pdfLink: plink: https://search.ebscohost.com/login.aspx?direct=true&db=ssf&AN=193402201&site=ehost-live header: @attributes: shortDbName: ssf uiTerm: 193402201 longDbName: Social Sciences Full Text (H.W. Wilson) uiTag: AN controlInfo: bkinfo: jinfo: jid: 08953309 JEC jtl: Journal of Economic Perspectives issn: 08953309 maglogo: N pubinfo: dt: Spring2026 vid: 40 iid: 2 pid: 22 pub: American Economic Association artinfo: ui: 193402201 10.1257/jep.20251474 ppf: 43 ppct: 26 formats: tig: atl: Regulated Competition in Health Insurance Markets on Two Sides of the Atlantic. aug: au: Kauer, Lukas McGuire, Thomas G. Schillo, Sonja van Kleef, Richard C. affil: Lukas Kauer is Senior Lecturer and Researcher at the Faculty of Health Sciences and Medicine, University of Lucerne, Switzerland. Thomas G. McGuire is Professor Emeritus in the Department of Health Care Policy, Harvard Medical School, Boston, Massachusetts. He is also a Research Associate, National Bureau of Economic Research, Cambridge, Massachusetts. Sonja Schillo is Senior Researcher at the Federal Office for Social Security, Bonn, Germany. Richard C. van Kleef is Associate Professor at the Erasmus School of Health Policy & Management, Erasmus University, Rotterdam, The Netherlands. su: Switzerland Germany Atlantic Ocean Netherlands Economic competition Medical care costs Health insurance exchanges Market failure Risk sharing National health insurance sug: subj: Economic competition Medical care costs Switzerland Germany Atlantic Ocean Netherlands Health insurance exchanges Market failure Risk sharing National health insurance ab: Many high-income countries implement their policy of universal health insurance by individual health insurance in combination with regulated competition among insurers. Supported by public intervention, regulated competition can, in principle, address market failures in health insurance and smooth out some inequities in the financial consequences of ill health and in the ability to pay for health insurance. We compare the national systems in Germany, the Netherlands, and Switzerland to the US Marketplaces, all of which use versions of regulated competition. While they show many similarities (for example, open enrollment, community-rated premiums with subsidies, comprehensive benefit package, risk adjustment), we focus on three major differences and their implications for market functioning: (1) mandatory and universal versus voluntary and partial (applying to only one sector of health insurance); (2) greater or lesser profit orientation of insurers; and (3) reliance on markets or regulation to contain costs. pubtype: Academic Journal doctype: Article src: R language: English refInfo: copyright: @attributes: flag: N holdings: @attributes: islocal: N |
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