How Do Japanese Health Insurance Societies Finance Their Contributions to the Health Service Systems for the Elderly?

25 Pages Posted: 5 Feb 2013

See all articles by Atsushi Yoshida

Atsushi Yoshida

University of Tsukuba - Institute of Policy and Planning Sciences

Yoshitaka Tsuruta

affiliation not provided to SSRN

Date Written: March 2013

Abstract

We examine how Japanese health insurance societies finance (or distribute) the costs (or cost savings) from an increase (or decrease) in contributions to the Health Service Systems for the Elderly. Three ways are possible: (i) adjusting the premiums of the employee or employer; (ii) providing an optional benefit; and (iii) adjusting reserves by the change in contribution. We find that more than six‐sevenths of the changes are associated with changes in reserves, followed by premiums, and finally optional benefits. The increase in the premium mostly shifted to employees, while employees enjoyed a nearly 60% decrease in total premium.

JEL Classification: I00, I10, I18, I19

Suggested Citation

Yoshida, Atsushi and Tsuruta, Yoshitaka, How Do Japanese Health Insurance Societies Finance Their Contributions to the Health Service Systems for the Elderly? (March 2013). Japanese Economic Review, Vol. 64, Issue 1, pp. 122-146, 2013, Available at SSRN: https://ssrn.com/abstract=2211968 or http://dx.doi.org/10.1111/j.1468-5876.2011.00557.x

Atsushi Yoshida (Contact Author)

University of Tsukuba - Institute of Policy and Planning Sciences ( email )

Tennodai 1-1-1, Tsukuba
Japan

Yoshitaka Tsuruta

affiliation not provided to SSRN

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