Determinants of health care utilization by German sickness fund members--with application to risk adjustment.

@article{Breyer2003DeterminantsOH,
  title={Determinants of health care utilization by German sickness fund members--with application to risk adjustment.},
  author={Friedrich Breyer and Martin Heineck and Normann Lorenz},
  journal={Health economics},
  year={2003},
  volume={12 5},
  pages={367-76}
}
In many countries, social health insurance systems are being reformed in favor of more competition among insurers, while premiums are community rated by regulation. The implicit incentives for insurers to engage in risk selection can only be curtailed using appropriate systems of risk-adjusted equalization payments among insurers. To develop these systems, predictors of individual utilization patterns have to be identified, e.g. via regression analysis using previous utilization data. In some… CONTINUE READING

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