/ Research
Helsana Report: Income & Premiums
The level of income plays a major role in the premium decision of insured persons. A finding that seems unsurprising at first glance.
However, it is repeatedly claimed that low-income households have to choose higher deductibles because the premiums are so high. The analyses show that financially weaker households do not only choose their deductible with the aim of having the lowest possible premium. Rather, the monthly budget, the ability to plan and the free choice of service providers also play a role.
The rising expenses of health insurance premiums are causing concern among the population and politicians. Objective discussions are needed in order to make legal adjustments. A reliable basis of facts and figures is essential for this - Helsana provides this with its "Income & Premiums" report. For this report, Helsana data was linked with AHV income data. The underlying publication by the Basel Center for Health Economics (bche) at the University of Basel is available for download.