Private Health Care and Drug Quality in Germany – A Game-Theoretical Approach
Bibliographic record
Abstract
Quality of medical treatment is a major goal of Germany's statutory health insurance system. According to our game theoretical approach, existing price-discrimination between statutory and private health insurance leads to a higher quality of innovative drugs. Hence, a move into the direction of a single payer health care (so-called citizens’ insurance) should result in a reduction of innovative drugs' quality. Moreover, and in the case of citizens insurance's implementation, innovative drugs' price level should increase for patients with statutory health insurance. Furthermore, a similar effect is caused by the Act on the Reform of the Market for Medicinal Products (AMNOG) which leads to reduced prospects for price discriminations between the statutory and private health insurance system. In summary, the existence of private health insurance in Germany does not cause unfavourable cream-skimming. Rather the division of the German health care sector (statutory vs. private health insurance) results in higher drug quality at lower prices for patients with statutory health insurance.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.002 | 0.004 |
| Meta-epidemiology (narrow) | 0.001 | 0.000 |
| Meta-epidemiology (broad) | 0.001 | 0.001 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.001 | 0.002 |
| Scholarly communication | 0.004 | 0.003 |
| Open science | 0.001 | 0.002 |
| Research integrity | 0.003 | 0.001 |
| Insufficient payload (model declined to judge) | 0.007 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".