Risikoselektion und Risikoausgleich am Beispiel der gesetzlichen Krankenkassen in Deutschland

This paper deals with the phenomenon of risk-selection and its
appearance in the german compulsory health insurance market since
the adoption of the so-called "Gesundheitsstrukturgesetz" of 1992.
Further, the "Risikostrukturausgleich" as well as other measures
are discussed as instruments of artificially spreading risks in
this very market before recommendations for adequate policies are
given.