Consumer mobility in social health insurance markets : a five-country comparison.

@article{LaskeAldershof2004ConsumerMI,
  title={Consumer mobility in social health insurance markets : a five-country comparison.},
  author={Trea Laske-Aldershof and Erik Schut and Konstantin Beck and Stefan Gress and Amir Shmueli and Carine Van de Voorde},
  journal={Applied health economics and health policy},
  year={2004},
  volume={3 4},
  pages={229-41}
}
During the 1990s, the social health insurance schemes of Germany, the Netherlands, Switzerland, Belgium and Israel were significantly reformed by the introduction of freedom of choice (open enrolment) of health insurer. This was introduced alongside a system of risk adjustment to compensate health insurers for enrolees with predictable high medical expenses. Despite the similarity in the health insurance reforms in these countries, we find that both the rationale behind these reforms and their… CONTINUE READING

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