RAHI / Risk Adjustment in Health Insurance

The project RAHI analyzes insurer competition under premium regulation. A risk adjustment scheme was introduced in Germany in order to eliminate or mitigate risk selection by insurers. Risk adjustment ensures fair competition and fosters the efficient provision of health care. The project’s objective is to identify the optimal risk factors for the risk adjustment scheme.

The project will be carried out in cooperation with Prof. Dr. Florian Bucher M.P.H. of Kärnten University of Applied Sciences.


  • Schillo, S., Lux, G., Wasem, J. and F. Buchner (2016): High cost pool or high cost groups - how to handel high(est) cost cases in a risk adjustment mechanism? Health Policy, 120(2), 141-147.
  • Biermann, J., Neumann, T., Angermann, C.E., Düngen, H.D., Erbel, R., Herzog, W., Maisch, B., Müller-Tasch, T., Özcelik, C., Pankuweit, S., Pieske, B., Pittrow, D., Regnitz-Zagrosek, R., Scheffold, T., Störk, S., Wachter, R., Gelbrich, G., Wasem, J. and A. Neumann (2012): Resource use and costs in systolic heart failure according to disease severity: a pooled analysis from the German Competence Network Heart Failure. Public Health, 20, 23-30.
  • Greß, S., A. Focke, F. Hessel and J. Wasem (2006): Financial Incentives for Disease Management Programmes and Integrated Care in German Social Health Insurance, Health Pol 78, 295-305.
  • Buchner, F. and J. Wasem (2003): Needs for further Improvement? Risk Adjustment in the German health insurance system. Health Pol 65, 21-35.
  • Jacobs, K., P. Reschke, D. Cassel and J. Wasem (2002): Zur Wirkung des Risikostrukturausgleichs in der gesetzlichen Krankenversicherung. Eine Untersuchung im Auftrag des Bundesministeriums für Gesundheit. Nomos, Baden-Baden.