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The European Journal of Health Economics
Erschienen in: The European Journal of Health Economics 2/2016

01.03.2016 | Original Paper

Willingness to pay for health insurance among the elderly population in Germany

verfasst von: Jens-Oliver Bock, Dirk Heider, Herbert Matschinger, Hermann Brenner, Kai-Uwe Saum, Walter E. Haefeli, Hans-Helmut König

Erschienen in: The European Journal of Health Economics | Ausgabe 2/2016

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Abstract

Introduction

All elderly Germans are legally obliged to have health insurance. About 90 % of this population are members of social health insurances (SHI) whose premiums are generally income-related and independent of health status. For most of these members, holding social health insurance is mandatory. As a consequence, genuine information about preferences for health insurance is not available. The aim of this study was therefore to determine and analyze the willingness to pay (WTP) for health insurance among elderly Germans.

Methods

Data from a population-based 8-year follow-up of a large cohort study conducted in the Saarland, Germany was used. Participants aged 57–84 years passed a geriatric assessment and responded to a health economic questionnaire. Individuals’ WTP was elicited based on a contingent valuation method with a payment card.

Results

Mean monthly WTP per capita for health insurance amounted to €260. This corresponded to about 20 % of individual disposable income. Regression analyses showed that WTP increased significantly with higher income, male gender, higher educational level, and privately insured status. In contrast, neither increasing morbidity level nor higher individual health care costs influenced WTP significantly.

Discussion

The relatively large extent of average WTP for health insurance indicates that the elderly would probably accept higher contributions to SHI rather than policy efforts to reduce contributions. The identified determinants of WTP might indicate that elderly generally approve the principle of solidarity of the SHI with contributions depending on income rather than morbidity.
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Metadaten
Titel
Willingness to pay for health insurance among the elderly population in Germany
verfasst von
Jens-Oliver Bock
Dirk Heider
Herbert Matschinger
Hermann Brenner
Kai-Uwe Saum
Walter E. Haefeli
Hans-Helmut König
Publikationsdatum
01.03.2016
Verlag
Springer Berlin Heidelberg
Erschienen in
The European Journal of Health Economics / Ausgabe 2/2016
Print ISSN: 1618-7598
Elektronische ISSN: 1618-7601
DOI
https://doi.org/10.1007/s10198-014-0663-8

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