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Signal Acquisition, Score Interpretation, and Economics of a Non-Invasive Point-of-Care Test for Coronary Artery Disease

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Optimal deductibles for outpatient services.

Karl-Michael Ortmann¹

¹Beuth Hochschule für Technik Berlin, University of Applied Sciences, Luxemburger Strasse 10, Berlin, Germany. ortmann@bht-berlin.de

The European Journal of Health Economics : HEPAC : Health Economics in Prevention and Care

|February 26, 2010

Summary

This study shows that cost-sharing through deductibles in private health insurance can reduce outpatient spending by up to 35%. Optimal deductibles balance savings for both insured individuals and insurers.

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Last Updated: Jun 15, 2026

Signal Acquisition, Score Interpretation, and Economics of a Non-Invasive Point-of-Care Test for Coronary Artery Disease

Signal Acquisition, Score Interpretation, and Economics of a Non-Invasive Point-of-Care Test for Coronary Artery Disease

Published on: August 9, 2024

Area of Science:

Health Economics
Insurance Market Analysis
Public Health Policy

Background:

Absolute deductibles are a common feature in private health insurance policies.
Understanding their impact on healthcare expenditure and cost savings is crucial for policymakers and insurers.
Previous research, like the RAND Health Insurance Experiment, provides a basis for comparison.

Purpose of the Study:

To analyze the effect of absolute deductibles on outpatient service insurance costs.
To estimate cost savings associated with deductibles and risk-sharing.
To determine optimal deductibles based on utilitarian principles, considering age and gender.

Main Methods:

Analysis of data from the German private medical insurance industry.
Calculation of maximum possible savings on medical expenses from the ground up.
Comparative analysis with findings from the RAND Health Insurance Experiment.

Main Results:

Risk-sharing between insured and insurer can reduce total outpatient benefit expenditure by up to 35%.
Optimal deductibles were identified through a utilitarian approach.
The study highlights variations in savings based on age and gender.

Conclusions:

Absolute deductibles are an effective tool for reducing healthcare costs in private insurance.
The findings offer insights into optimizing insurance design for cost-efficiency.
Comparison with US data reveals both similarities and differences in deductible effects across different healthcare systems.