Foreword. List of Tables. List of Figures. 1. Overview and key statements of the study. 2. Institutional framework, issues, and results. 3. Health insurance options from the point of view of the consumer. 4. Insurer A: Traditional cost sharing. 5. Insurer B: Fixed rebates for no claims. 6. Self-selection of risks with insurers A and B? 7. Insurer C: The dynamic bonus system. 8. First-dollar coverage, fixed rebate, and dynamic bonus compared. 9. Bonus option in social health insurance? Appendix A: Tables. Appendix B: Sample construction and choice of statistical method. References. Index of names. Index of subjects.