Vor 25 Jahren führte der damalige Gesundheitsminister Horst Seehofer für gesetzlich Krankenversicherte das Recht der freien Kassenwahl ein. Seither konkurrieren die aktuell knapp über 100 Krankenkassen um die Gunst der Versicherten – und zwar im wesentlichen über die Höhe ihres Beitragssatzes. Die ursprüngliche Idee, den Beitragswettbewerb schrittweise auch mit einem Wettbewerb um das beste Versorgungsangebot zu ergänzen, indem einzelne Kassen mehr Vertragsrechte gegenüber Leistungsanbietern erhalten, scheiterte weitgehend im Dschungel der Interessengegensätze.
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