Insurers compete with with each other on the different insurance models, thereby the hearing flat-rate contributions and the service. In the new care scheme you can change if required every year of care insurer. Care insurers have an acceptance duty.

Care insurers must deserve approximately half of their income himself by means of the flat-rate contribution which the insured people pay. It is the intention that care insurers of each other will distinguish itself by combining good care with the best possible service against an attractive premium.
To let compete with to care insurers honestly, they get for each insured person compensation from a fund. For unhealthy or older people they get higher compensation then for young, healthy people. On average this compensation amounts to other half of the total care costs which are covered by the care insurance law.

Source: Ministerie Verkeer en Waterstaat