For instance, compulsory' health insurance with community rated premiums (e.g. the basis of the Swiss health care system) offers a high degree of risk pooling with minimal income redistribution. The presence of many social insurance funds results in fragmented risk pools, which lower risk pooling, but risk-adjustment mechanisms (e.g. Switzerland, Netherlands, Germany) can mitigate this problem. Community' rated premiums allow for a larger degree of risk pooling than risk rated ones as the latter enable to pool people with approximately the same level of risk, only.