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Aktuelle Termine Volkswirtschaftliches Kolloquium

Logo WiWi Volkswirtschaftliches Kolloquium

Eine Übersicht der Termine für das aktuelle Semester finden sich in der folgenden, kontinuierlich erweiterten Tabelle. Wenn dort nicht anders angegeben, findet das Kolloquium wie folgt statt:

Termin: jeweils Montag, 16:15
Ort: Campus Nord, Gebäude Mathematik, M 127

Stand: 2017-10-09

Termin Referent/in Thema
2017-10-23

Dr. Markus Fels
(KIT, Karlsruhe)

Incentivizing Efficient Utilization Without Reducing Access: The Case Against Cost-Sharing in Insurance

Cost-sharing is regarded as an important tool to reduce moral hazard in health insurance. Contrary to standard prediction, however, such requirements are found to decrease utilization both of efficient and of inefficient care. I employ a simple model that incorporates two possible explanations - consumer mistakes and limited access - to assess the welfare implications of different insurance designs. I find cost-sharing never to be an optimal solution as it produces two novel inefficiencies by limiting access. An alternative design, relying on bonuses, has no such side effects and achieves the same incentivization.



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