Abel T, Wysong J A
Institute for Medical Sociology, Marburg, Germany.
J Insur Med. 1992 Winter;24(4):240-50.
Issues of unequal risk distribution among sickness funds are given increasing attention in the current discussions on the reform of the statutory health insurance system in Germany. This paper examines the structural determinants of risk distribution and points toward the links between social stratification, competition, health risk and insurance status. A model showing the links between basic structural determinants is presented. Using health survey data from Germany and the U.S., statistical analyses are conducted. The results support the model and indicate its applicability for both health care systems. The paper concludes by indicating the relevance of such findings for health policy and future research.
在德国法定医疗保险体系改革的当前讨论中，疾病基金之间风险分配不平等的问题受到越来越多的关注。本文考察了风险分配的结构决定因素，并指出了社会分层、竞争、健康风险和保险状况之间的联系。提出了一个展示基本结构决定因素之间联系的模型。利用来自德国和美国的健康调查数据进行了统计分析。结果支持该模型，并表明其适用于两个医疗体系。本文最后指出了这些研究结果对卫生政策和未来研究的相关性。
