Free Choice of Sickness Funds in Social Health Insurance - Theoretical Foundation and Empirical Findings in Germany
|
|
|
- Amy Goodman
- 7 years ago
- Views:
Transcription
1 Stefan Greß, Jürgen Wasem (University of Greifswald) Erik Schut (University of Rotterdam) Free Choice of Sickness Funds in Social Health Insurance - Theoretical Foundation and Empirical Findings in Germany Presentation at the Fourth European Conference on Health Economics Paris, 7-10 July 2002 Contact: gress@uni-greifswald.de Seite 1
2 Outline Problem Social health insurance in Germany Research questions Method Data Results Discussion Seite 2
3 Problem Free choice of sickness funds plus risk adjustment introduced in 1996 Primary motivation Equal right to choose for all insured Decrease of contribution rate differences Secondary motivation Increased efficiency of the system Sickness funds to act as prudent buyers for their insured Crucial precondition for effective price competition: consumers shop around Seite 3
4 German Triangle of Regulated Competition Insured Consumer Choice Neither Higher Quality nor more Efficiency in Health Services Insurer No Selective Contracting Provider Seite 4
5 Social Health Insurcance in Germany Solidarity fund Employers Risk-adjusted compensation payments (RSA) Subscribers Income-related premium (50%) (set by sickness fund) Sickness funds Seite 5
6 Research Questions Do consumers indeed search for lower-priced sickness funds? How can the level of price sensitivity be explained? Seite 6
7 Method Estimation of price elasticity of sickness fund choice using panel data at the individual sickness fund/type of sickness fund level Period: /2001 Estimation method: fixed effects Dependent variable: Market share (number of subscribers) per (type of) sickness fund For all subscribers For subgroups of over/under 65 years of age Independent variables: Out-of pocket premium Dummy per (type of) sickness fund Dummy per year Seite 7
8 Data Sickness Funds Types of sickness funds Total number of subscribers (excl. dependents) Pensioners and non-pensioners Income-related contribution by type Provided by Ministry of Health Individual sickness funds Provided by branch organization All 17 AOK funds 20 substitute funds (West and East) 6 BKK funds and only 1 IKK fund (Internet) Complete data set Open enrolment Residual BKK and IKK fund Seite 8
9 Estimated Price Elasticity Seite 9
10 Summary of Results High and rapidly increasing price elasticities Price elasticities for Non-pensioners higher than for pensioners and for individual funds higher than for type of funds Further need for research Data for individual funds is incomplete Influence of limited choice in 2001 Change of Employer Increase of Contribution rate Influence of new regulation in 2002 Old regulation: Change once a year (September 30) New regulation: Change all year (After staying with the fund for at least 18 months) Seite 10
11 Explanation of Results High financial risk for sickness funds High differences in contribution rates 400 a year for average income employee 750 a year for high-income employee Search costs are low compared to potential gains High incentives for employers Same potential gain for employers Funds market their product at personnel offices Employers massivel influence choice Competitive market structure Large number of funds and new entrants Tradition of choice Seite 11
12 Discussion Different contribution rates mostly due to Uneven distribution of risks Imperfect risk adjustment Only small fraction explained by differences in administrative efficiency Bad risks switch less often Almost no selective contracting Welfare effects of freedom of choice unclear Improvement on status quo ante Funds engage in risk selection Seite 12
Free choice of sickness funds in social health insurance - theoretical foundation and empirical findings in Germany
Free choice of sickness funds in social health insurance - theoretical foundation and empirical findings in Germany Stefan Greß* and Juergen Wasem Institute of Health Care Management, University of Greifswald,
Competition in Health Insurance Reflections from Germany
International Seminar Regulation of private health insurance 10 years of the Law 9656: impacts and perspectives Rio de Janeiro (Brazil), June 2-4, 2008 Competition in Health Insurance Reflections from
Pricing of Group Health Insurance Contracts in the Netherlands
ERASMUS UNIVERSITEIT ROTTERDAM Institute of Health Policy and Management (ibmg) Master Thesis: Pricing of Group Health Insurance Contracts in the Netherlands Name: Carline Dröge Student number: 290548
A comparison of the Risk Equalization systems and the policy context of 5 European countries
IAAHS-Conference 5May07, Cape Town A comparison of the Risk Equalization systems and the policy context of 5 European countries Wynand P.M.M. van de Ven Professor of Health Insurance Department of Health
Assessing the Intended and Unintended Effects of Employer Incentives in Disability Insurance: Evidence from the Netherlands
Assessing the Intended and Unintended Effects of Employer Incentives in Disability Insurance: Evidence from the Netherlands Pierre Koning (VU University, IZA, Tinbergen Institute, and Ministry of Social
Risk equalisation in voluntary health insurance markets: a three country comparison
Risk equalisation in voluntary health insurance markets: a three country comparison Francesco Paolucci, PhD.* John Armstrong, Wynand van de Ven, Heather McLeod *Research Fellow, ACERH, The Australian National
EXIT AND VOICE IN DUTCH SOCIAL HEALTH INSURANCE
EXIT AND VOICE IN DUTCH SOCIAL HEALTH INSURANCE STEFAN GRESS, DIANA DELNOIJ AND PETER GROENEWEGEN* Introduction reforms in the early 1990s. Giving the insured free choice between sickness funds was supposed
RISK ADJUSTMENT SYSTEMS MARKETS IN THE US, GERMANY, NETHERLANDS IN HEALTH INSURANCE AND SWITZERLAND
Research Report an optimum risk adjustment system that is intended. RISK ADJUSTMENT SYSTEMS IN HEALTH INSURANCE MARKETS IN THE US, GERMANY, NETHERLANDS AND SWITZERLAND The problems of self-selection and
HEALTH INSURANCE REFORM IN THE NETHERLANDS
HEALTH INSURANCE REFORM IN THE NETHERLANDS STEFAN GREß*, MARAL MANOUGUIAN** AND JÜRGEN WASEM*** At the beginning of 2006 the Dutch government introduced a fundamental reform of the health insurance system.
What determines annuity demand at retirement?
What determines annuity demand at retirement? Giuseppe Cappelletti Giovanni Guazzarotti Pietro Tommasino Banca d Italia International Pension Workshop - Netspar 2011 Cappelletti, Guazzarotti, Tommasino
Marketing and Sales Highlights of the Volkswagen Group. Investor Meeting London, 13 July 2006
Marketing and Sales Highlights of the Volkswagen Group Stefan Jacoby, Executive Vice President Marketing & Sales Volkswagen Group Investor Meeting London, 13 July 2006 1. Marketing and Sales structure
Structure and experience of German opt-out system of statutory health insurance (GKV)
Structure and experience of German opt-out system of statutory health insurance (GKV) Markus Schneider 1 March 2003 Health, Nutrition and Population (HNP) Human Development Sector Unit Europe and Central
10 important things to know
The most important thing in life is to keep healthy this wish is at the top of the list for people throughout the world. You have probably wondered what you can do for your health and have thought about
Notes - Gruber, Public Finance Chapter 20.3 A calculation that finds the optimal income tax in a simple model: Gruber and Saez (2002).
Notes - Gruber, Public Finance Chapter 20.3 A calculation that finds the optimal income tax in a simple model: Gruber and Saez (2002). Description of the model. This is a special case of a Mirrlees model.
Active Investment Decisions of Members in the Chilean DC Pension System: Performance and Learning over Time. Marno Verbeek
Active Investment Decisions of Members in the Chilean DC Pension System: Performance and Learning over Time discussion by Marno Verbeek Erasmus University Rotterdam and Netspar www.rsm.nl/mverbeek mverbeek@rsm.nl
Japanese Social Insurance. (As of May 1, 2010)
Japanese Social Insurance (As of May 1, 2010) Contents Japanese Social Insurance Programs... 2 1. Health Insurance... 3... 3... 3 c. Benefits... 3 2. Welfare Pension Insurance... 4... 4... 4 c. Benefits...
Risk adjustment and risk selection on the sickness fund insurance market in five European countries
Health Policy 65 (2003) 75/98 www.elsevier.com/locate/healthpol Risk adjustment and risk selection on the sickness fund insurance market in five European countries Wynand P.M.M. van de Ven a, *, Konstantin
Consumer Mobility in Social Health Insurance Markets: A Five-country Comparison. Revised Version December 1, 2004
Consumer Mobility in Social Health Insurance Markets: A Five-country Comparison Trea Laske-Aldershof 1, Erik Schut 1, Konstantin Beck 2, Stefan Greß 3, Amir Shmueli 4, Carine Van de Voorde 5 1 Institute
Packed with all you need to make the most of your studies
1 z 8 2016-01-20 12:07 LLOYDS BANK CURRENT ACCOUNT Packed with all you need to make the most of your studies Planned Overdraft You can apply for an interest and fee-free tiered Planned Overdraft of up
Health Systems: Type, Coverage and Financing Mechanisms
Health Systems: Type, Coverage and Mechanisms Austria Belgium Bulgaria (2007) Czech Republic Denmark (2007) Estonia (2008). Supplementary private health Complementary voluntary and private health Public
Risk Selection in the German Public Health Insurance System
Risk Selection in the German Public Health Insurance System Robert Nuscheler Thomas Knaus July 6, 2004 We thank Friedrich Breyer, Tomaso Duso, Astrid Jung, Oddvar Karbøe, Mathias Kifmann, Kai A.Konrad,
Optimal Health Insurance for Prevention and Treatment
Optimal Health Insurance for Prevention and Treatment Randall P. Ellis Department of Economics Boston University Willard G. Manning Harris School of Public Policy Studies The University of Chicago We thank
Secondary Annuity Market Consultation Paper (CP16/12)
Milliman CP16/12 Secondary Annuity Market Consultation Paper (CP16/12) May 2016 CP16/12 ISSUED 21 APRIL 2016 In March 2015, the Government announced it was consulting on extending pension freedoms to individuals
Baker Hughes pays 100% of the cost of your coverage. No premium contributions are required from you for this coverage.
Basic Life Insurance Basic Life At-A-Glance Type of Plan Premium Contributions Employee Eligibility Eligible Dependents When Coverage Begins Enrollment Period* Coverage Options Contact Welfare Plan Providing
THE CHALLENGES OF FUNDING HEALTHCARE FOR AN AGEING POPULATION A COMPARISON OF ACTUARIAL METHODS AND BENEFIT DESIGNS
THE CHALLENGES OF FUNDING HEALTHCARE FOR AN AGEING POPULATION A COMPARISON OF ACTUARIAL METHODS AND BENEFIT DESIGNS 19 th November 2013 Stephen Bishop Challenges of Old Age Healthcare Provisions 1. Clinical
Risk Equalization In An Individual Health Insurance Market: The Only Escape From The Tradeoff Between Affordability, Efficiency And Selection
FRESH-Thinking Focused Research on Efficient, Secure Healthcare Risk Equalization In An Individual Health Insurance Market: The Only Escape From The Tradeoff Between Affordability, Efficiency And Selection
from theory to practice
International Conference Markets in European Health Systems: Opportunities, Challenges, and Limitations, Kranjska Gora/ Slovenia Health insurance competition: from theory to practice Reinhard Busse, Prof.
Copayments in the German Health System: Does It Work?
DISCUSSION PAPER SERIES IZA DP No. 2290 Copayments in the German Health System: Does It Work? Boris Augurzky Thomas K. Bauer Sandra Schaffner September 2006 Forschungsinstitut zur Zukunft der Arbeit Institute
Private Health Insurance in Social Health Insurance Countries - Implications for Canada
Access Access to to Care, Care, Access Access to to Justice: Justice: The The Legal Legal Debate Debate over over Private Private Health Health Insurance Insurance in in Canada Canada University University
Private and Public Health Insurance in Germany Current Status, Future Priorities and Strategic Targets
Private and Public Health Insurance in Germany Current Status, Future Priorities and Strategic Targets Dr. Marc-Pierre Möll Head of Unit Government and Parliament Association of Private Health Insurance,
Germany's Statutory Health Insurance:
Germany's Statutory Health Insurance: Structures, Challenges, Benefits Dr. Norbert Klusen CEO of Techniker Krankenkasse (TK), Hamburg American & German Healthcare Forum 2010, University of Minnesota Minneapolis,
27 th International Congress of Actuaries. The Main Features of German Private Health Insurance. Erich Schneider, Germany
27 th International Congress of Actuaries The Main Features of German Private Health Insurance Erich Schneider, Germany 1 German Health Insurance Statutory Health insurance Private Health Insurance 87%
ITALIAN INSURANCE IN FIGURES. Year 2015
ITALIAN INSURANCE IN FIGURES Year 2015 The Italian insurance industry gives a significant contribution to the economy and to the society, offering a wide range of services aiming at risk protection: from
The Impact of Stricter Criteria for Disability Insurance on Labor Force Participation
The Impact of Stricter Criteria for Disability Insurance on Labor Force Participation Stefan Staubli University of St. Gallen, University of Zurich & Netspar November 2, 2010 Abstract This paper studies
Article from: Health Watch. October 2013 Issue 73
Article from: Health Watch October 2013 Issue 73 Nontraditional Variables in Health Care Risk Adjustment By Syed M. Mehmud Syed M. Mehmud, ASA, MAAA, FCA, is director and senior consulting actuary at Wakely
The German health insurance model
The German health insurance model Diana Ognyanova Berlin University of Technology Department of Health Care Management WHO Collaborating Centre for Health Systems Research and Management & European Observatory
Patient and Health Care Management in German Health Care
Patient and Health Care Management in German Health Care Dr. Jens Christian Baas Member of the Board of Management of Techniker Krankenkasse European Health Care Conference, WINEG 20 May 2011, Hamburg
PFRS ENROLLMENT BY MEMBERSHIP TIER PENSIONABLE SALARY LIMITS
PFRS ENROLLMENT BY MEMBERSHIP TIER PENSIONABLE SALARY LIMITS The PFRS contribution rate for Tier 1 members enrolled on or before May 21, 2010, is applied to the full pensionable salary up to the federal
Equalization in the Polish Health Insurance System
Equalization in the Polish Health Insurance System Task 1of the Worldbank project Private Sector Initiatives in Health Insurance and Health Facilities of Poland: An Analysis of Key Issues (IBRD Loan No.
Mexican Healthcare Model Reform, by Act. Eduardo Lara di Lauro. 1. The Mexican Health Care Model.
One of the most clear and unquestionable indicators to measure the development of a nation is without doubt, its populations health. Given the importance that has the healthcare system and model in a country
Experience of western European Social Health Insurance countries: reflections for Slovakia
Experience of western European Social Health Insurance countries: reflections for Slovakia Reinhard Busse, Prof. Dr. med. MPH FFPH Professor of Health Care Management, Technische Universität Berlin Associate
Behavioral responses to inheritance tax: Evidence from notches in France
Behavioral responses to inheritance tax: Evidence from notches in France Jonathan Goupille and Arturo Infante 12 février 2015 1 / 70 Motivation Wealth is strongly concentrated Wealth can be transmitted
The Role of a Public Health Insurance Plan in a Competitive Market Lessons from International Experience. Timothy Stoltzfus Jost
The Role of a Public Health Insurance Plan in a Competitive Market Lessons from International Experience Timothy Stoltzfus Jost All developed countries have both public and private health insurance plans,
Claim patterns of private health insurance for individual and group contracts and the risk selection mechanisms
Claim patterns of private health insurance for individual and group contracts and the risk selection mechanisms Anastasia Mokienko Master in Economics Department of Economics UNIVERSITY OF OSLO October
What Makes Health Care Systems work? An international Perspective
What Makes Health Care Systems work? An international Perspective by Franz Knieps Managing Partner, Wiese Consult GmbH, Berlin, Germany (Former Director General for Health Care, Public Health Insurance,
HEALTH AND AGEING NEWSLETTER. Competition in Private Health Insurance in Germany: Models for Transferable Ageing Provisions. No.
NEWSLETTER HEALTH AND AGEING HEALTH AND AGEING No. 33 October 2015 Competition in Private Health Insurance in Germany: Models for Transferable Ageing Provisions by Anke Walendzik, + Florian Buchner ++
Introduction of Long-term Care Insurance in South Korea
Introduction of Long-term Care Insurance in South Korea Soonman KWON, Soo-Jung KIM and Youn JUNG (School of Public Health, Seoul National University, South KOREA) Background In July 2008, Korea introduced
.OR.AT.ATTORNEY.AUCTION.BARGAINS.BAYERN.BERLIN.BLACKFRIDAY.BOUTIQUE.BRUSSELS.BUILDERS
.AC.BIO.RESTAURANT.APARTMENTS.CASINO.SCHOOL.KIM.ACADEMY.ACCOUNTANTS.ACTOR.ADULT.AE.AERO.AG.AGENCY.AIRFORCE.ARCHI.ARMY.ASIA.ASSOCIATES.AT.CO.AT.OR.AT.ATTORNEY.AUCTION.AUDIO.BAND.BANK.BAR.BARGAINS.BAYERN.BE.BEER.BERLIN.BID.BIKE.BINGO.BIZ.BLACK.BLACKFRIDAY.BLUE.BOUTIQUE.BRUSSELS.BUILDERS.BUSINESS.BZ.CO.BZ.COM.BZ.ORG.BZ.CAB.CAFE.CAMERA.CAMP.CAPITAL.CARDS.CARE.CAREERS.CASA.CASH.CATERING.CC.CENTER.CH.CHAT.CHEAP.CHRISTMAS
Third Party Products by banks Challenges & Prospects in Insurance and Mutual funds
Third Party Products by banks Challenges & Prospects in Insurance and Mutual funds Author s Name & Address Ms. Joby Joy Assistant Professor SCMS Cochin School of Business Cochin Abstract: The banking industry
Submission to the Health Information Authority on Risk Equalisation in the Irish Private Health Insurance Market
Submission to the Health Information Authority on Risk Equalisation in the Irish Private Health Insurance Market August 2010 IMO Submission to the Health Information Authority on Risk Equalisation in the
Empowering Girls. Rachel Glennerster Executive Director, J-PAL Department of Economics, MIT
Empowering Girls Rachel Glennerster Executive Director, J-PAL Department of Economics, MIT July 16, 2013 Overview Challenge and background Research design Kishoree Kontha program Results and implications
02 LC 28 0671-ECS (SCS) The Senate Insurance and Labor Committee offered the following substitute to SB 476: A BILL TO BE ENTITLED AN ACT
The Senate Insurance and Labor Committee offered the following substitute to SB : A BILL TO BE ENTITLED AN ACT To provide a short title; to amend Title of the Official Code of Georgia Annotated, relating
The value of apprenticeships: Beyond wages
The value of apprenticeships: Beyond wages NIDA BROUGHTON June 2016 There is strong political commitment to the apprenticeships programme as a part of the strategy to achieve a high quality workforce that
Joint Committee on Health & Children
Joint Committee on Health & Children Presentation on Universal Health Insurance 1 Universal Health Insurance - Proposal A Single-Tier Health Service supported by Universal Health Insurance - Social solidarity
How To Understand Medical Service Regulation In Japanese
Overview of Medical Service Regime in Japan 75 years or older 10% copayment (Those with income comparable to current workforce have a copayment of 30%) 70 to 74 years old 20% copayment* (Those with income
Research. What Impact Will Ballooning Government Debt Levels Have on Government Bond Yields?
Research What Impact Will Ballooning Government Debt Levels Have on Government Bond Yields? The global economy appears to be on the road to recovery and the risk of a double dip recession is receding.
Insurance Search and Switching Behaviour at the time of the Dutch Health Insurance Reform
HEDG Working Paper 09/14 Insurance Search and Switching Behaviour at the time of the Dutch Health Insurance Reform Jonneke Bolhaar Maarten Lindeboom Bas van der Klaauw July 2009 ISSN 1751-1976 york.ac.uk/res/herc/hedgwp
Health Economics. University of Linz & Information, health insurance and compulsory coverage. Gerald J. Pruckner. Lecture Notes, Summer Term 2010
Health Economics Information, health insurance and compulsory coverage University of Linz & Gerald J. Pruckner Lecture Notes, Summer Term 2010 Gerald J. Pruckner Information 1 / 19 Asymmetric information
Social security system and simplified taxation in Ukraine: how should they be combined?
INSTITUTE FOR ECONOMIC RESEARCH AND POLICY CONSULTING IN UKRAINE GERMAN ADVISORY GROUP ON ECONOMIC REFORM Reytarska 8/5-A, 01034 Kyiv, Tel. (+38044) 228-6342, 228-6360, Fax 228-6336 E-mail: institute@ier.kiev.ua,
Health care reform in Belgium: Going Dutch or waiting for Godot?
Health care reform in Belgium: Going Dutch or waiting for Godot? Erik Schut (Institute of Health Policy & Management, Erasmus University Rotterdam) Ten years ago More than ten years ago a comparative study
Dynamic Inefficiencies in Insurance Markets: Evidence from long-term care insurance *
Dynamic Inefficiencies in Insurance Markets: Evidence from long-term care insurance * Amy Finkelstein Harvard University and NBER Kathleen McGarry University of California, Los Angeles and NBER Amir Sufi
Secretariat. United Nations ST/AI/2007/3. Administrative instruction. After-service health insurance. 1 July 2007
United Nations ST/AI/2007/3 Secretariat 1 July 2007 Administrative instruction After-service health insurance The Under-Secretary-General for Management, pursuant to section 4.2 of Secretary-General s
FLEX-PAY CLIENTS AND AFFORDABLE CARE ACT SOLUTIONS KEY POINTS OF THE ACT
FLEX-PAY CLIENTS AND AFFORDABLE CARE ACT SOLUTIONS KEY POINTS OF THE ACT Flex-Pay Payroll Services 723 Coliseum Drive, Suite 200 Winston-Salem NC 27106 336-773-0128 KEY POINTS FOR CLIENTS AND THE ACA Classifying
Navigating the Health Insurance Marketplace
Navigating the Health Insurance Marketplace Understanding the Health Insurance Marketplace Health Insurance Marketplace is also referred to as Health Insurance Exchange Marketplaces are State-based competitive
Introduction to Deutsche BKK
Introduction to Deutsche BKK Deutsche BKK Facts and figures 680,000 members 1,400 Employees 50 locations between Kiel and Freiburg Headquartered: Wolfsburg Based upon the number of its members, Deutsche
Total Rewards for Employees
Total Rewards for Employees Xcel Energy provides Total Rewards to employees: Pay for Time Off 9 % Other Cash Compensation 4 % Health and Welfare Benefits 17 % 60 % Base Compensation Retirement Benefits
Knowledge Economists Policy Brief n 7 January 2009
Knowledge Economists Policy Brief n 7 January 2009 Policy Briefs are delivered by the "Knowledge for Growth" Expert Group advising the Commissioner for Research, Janez Potočnik. For more information on
Reforms of bankruptcy laws. The case of Germany *
Reforms of bankruptcy laws. The case of Germany * Hermann-Josef Hansen Presentation at Banco de Espana, Madrid, 19 November 2014 * The views expressed do not necessarily reflect the views of the Deutsche
The importance of health insurances as a target group for the pharmaceutical industry Consequences for market research
The importance of health insurances as a target group for the pharmaceutical industry Consequences for market research Market Access Strategy Which target group is most important to talk to when launching
1.STATUS Quadri status is ruled by the article 2095 of the Italian Civil Code.
Dirigenti Quadri "Dirigente" status is not fixed by law, it has been defined by NCLAs and case law. 1.STATUS Quadri status is ruled by the article 2095 of the Italian Civil Code. Dirigente are high level
Government Intervention in Health Insurance Markets
Florian Scheuer 4/22/2014 Government Intervention in Health Insurance Markets 1 Overview health care - institutional overview rise in health spending impact of health insurance: spending and benefits other
Avoiding risk selection in competitive health insurance markets. Abstract
Markus Jankowski and Anne Zimmermann Avoiding risk selection in competitive health insurance markets Abstract In most countries health insurance is organized within a community-rated framework in order
New Jersey Small Employer Health Benefits Plans General Information January 2005
New Jersey Small Employer Health Benefits Plans General Information January 2005 For a more detailed explanation of the Small Employer Health Benefits Program, please consult the law codified at N.J.S.A.
TIPS FOR PLANNING RETIREMENT FOR GEORGIA EDUCATORS
TIPS FOR PLANNING RETIREMENT FOR GEORGIA EDUCATORS A Publication of GEORGIA RETIRED EDUCATORS ASSOCIATION The Only Organization That Concentrates Exclusively On the Welfare of Retired Educators of Georgia
Private Health Insurance in Social Health Insurance Countries Market Outcomes and Policy Implications
Private Health Insurance in Social Health Insurance Countries Market Outcomes and Policy Implications Von Stefan Greß, Kieke G.H. Okma, Jürgen Wasem Diskussionspapier 01/2002 Februar 2002 Lehrstuhl für
IRS Issues Plan Valuation Regulations For Single-Employer Defined Benefit Plans
Important Information Plan Administration and Operation May 2008 IRS Issues Plan Valuation Regulations For Single-Employer Defined Benefit Plans WHO'S AFFECTED These developments affect sponsors of and
Global Policy Debate on Aging and Long-term Care
Global Policy Debate on Aging and Long-term Care Armin Fidler Lead Adviser, Health Policy and Strategy Human Development Network The World Bank 1 Aging a Global Phenomenon Rapidly shifting global trends
DUTCH HEALTH INSURANCE REFORM: AN EVOLVING EFFORT TO TRANSFORM HEALTHCARE
DUTCH HEALTH INSURANCE REFORM: AN EVOLVING EFFORT TO TRANSFORM HEALTHCARE Rachel Stewart Introduction Healthcare is one of the most important institutions in every society, and healthcare reform is a vital
Financial Sustainability of a Health Insurance Fund for Kosovo. Edmond Muhaxheri American University in Kosovo
Financial Sustainability of a Health Insurance Fund for Kosovo Content... Current situation Draft law on health insurance Health sector financing methods Proposed approach Assumptions used and possible
Curriculum and Contents: Diplom-Program in Business Administration (Year 1 and Year 2)
Business School DeAN S OFFICE INTERNATIONAL RELATIONS L 5, 5 68131 Mannheim Germany Phone +49 (0) 6 21 1 81-1474 Fax +49 (0) 6 21 1 81-1471 international@bwl.uni-mannheim.de www.bwl.uni-mannheim.de Curriculum
Coverdell Education Savings Account (CESA or ESA) Distributions used to pay for qualified education expenses. Custodial Accounts (UGMA/UTMA)
There are many choices for you to consider when charting your child's course to college. The option you choose depends on how many years you have to save, your overall financial goals and your investment
This section provides the Scottish Government overtime rules and payment rates.
Introduction This section provides the Scottish Government overtime rules and payment rates. This section does not apply to staff with no conditioned hours, to those with separately negotiated terms for
Competition & Regulation in the Rail Sector: The European railway s expectations on the fourth railway package
Competition & Regulation in the Rail Sector: The European railway s expectations on the fourth railway package 31 January 2013, Berlin Dr. Libor Lochman Executive Director 31 January 2013 1 Three key elements
Income protection insurance
Income protection insurance for independent information About us We are an independent watchdog set up by the Government to: regulate firms that provide financial services; and help you make informed decisions
Private supplemental health insurance: retirees'demand
Document de travail Working paper Private supplemental health insurance: retirees'demand Carine Franc (CERMES, Inserm U750, CNRS UMR 8169, EHESS) Marc Perronnin (IRDES) Aurélie Pierre (IRDES) DT n 9 Avril
Health financing reform idea: health fund
Health financing reform idea: health fund Country: Germany Partner Institute: Bertelsmann Stiftung, Gütersloh Survey no: (7)2006 Author(s): Melanie Zimmermann, reviewers: Reinhard Busse, Sophia Schlette
Do Hoang Ngan. 1. Background data of universities
Do Hoang Ngan After 9 years applying the credit system into training, testing, examination and graduation (July 30 th, 2001), on August 15 th, 2007, Ministry of Education and Training of Vietnam issued
Chapter 6 Competitive Markets
Chapter 6 Competitive Markets After reading Chapter 6, COMPETITIVE MARKETS, you should be able to: List and explain the characteristics of Perfect Competition and Monopolistic Competition Explain why a
HEALTH INSURANCE COST STUDY
OMB. 095-00: Approval Expires //0 0 Medical Expenditure Panel Survey Insurance Component HEALTH INSURANCE COST STUDY (Please correct any errors in name address and ZIP Code. Enter number and street if
Dutch health care reform at the crossroads
Dutch health care reform at the crossroads Hans Maarse 1 Many health policy watchers follow the experience with health care reform in the Netherlands with great interest. So far, the 2006 health insurance
Solidarity in competitive markets for supplementary health insurance: an empirical analysis
HEDG Working Paper 06/02 Solidarity in competitive markets for supplementary health insurance: an empirical analysis Francesco Paolucci Femmeke Prinsze Pieter JA Stam Wynand PMM van de Ven March 2006 ISSN
The Taxable Income Elasticity and the Implications of Tax Evasion for Deadweight Loss. Jon Bakija, April 2011
The Taxable Income Elasticity and the Implications of Tax Evasion for Deadweight Loss Jon Bakija, April 2011 I. The Taxable Income Elasticity Literature Traditionally, the microeconometric literature on
The OFT s study into the private healthcare market. Under examination: the OFT s study into the private healthcare market
Agenda Advancing economics in business The OFT s study into the private healthcare market Under examination: the OFT s study into the private healthcare market Following a study into privately funded healthcare
welfare services be likely to have on different parts of the population?
JANUARY 1999 Key questions and concepts In its April 1998 Green Paper on welfare reform, the new Government argues that its policy reforms will follow a third way : The welfare state now faces a choice
The Role of Government in the Economy
The Role of Government in the Economy The government provides the legal framework and services needed for the effective operation of a market economy. In the context of economic development, that mission
On What Resources and Services Is Education Funding Spent?
Indicator On What Resources and Services Is Education Funding Spent? In primary, secondary and post-secondary non-tertiary education combined, current accounts for an average of 92% of total spending in
Reliance Bank Switch Kit
Reliance Bank Switch Kit Welcome to Reliance Bank! Switching to Reliance Bank is easier than ever. Our switch kit contains everything you need to make this transition quickly and easily. Together, we can
SUP Ann 6R: Persistency Report
SUP Ann 6R: Persistency Report 1. REP003 Persistency Report Nil Return Declaration 2. Persistency Report Life Policies 3. Persistency Report Stakeholder Pensions Financial Conduct Authority REP003 Persistency
What we ll be discussing
Teaching programmes: Master of Public Health, University of Tromsø, Norway HEL-3007 Health Economics and Policy Master of Public Health, Monash University, Australia ECC-5979 Health Economics Master of