Health Care Financing and Insurance

This book offers a unique combination of conceptual, institutional and empirical analyses of the design of healthcare financing systems, and explores the complex interactions of finance and insurance arrangements in several OECD countries.

As a contribution to the search for suitable and sustainable solutions to finance rising medical care expenditures, the book proposes a typology of healthcare financing and insurance schemes, based on the dimensions of basic vs. supplementary services and mandatory vs. voluntary coverage, to analyse the design and the complex interactions between various financing and insurance arrangements in several OECD countries. This study provides a better understanding of the strengths and weaknesses of the financial and organisational structures of different countries' healthcare financing and insurance schemes. Its main contributions are the development of a novel and rigorous theoretical framework analysing the economic rationales for the optimal design of healthcare financing and insurance schemes, and an empirical and institutional analysis investigating the consequences for efficiency and affordability of the complex interactions between basic and supplementary sources of financing.

Presents a unique combination of conceptual, institutional, and empirical analyses of the design of healthcare financing systems in several countries Proposes a new classification of healthcare financing schemes applicable to all OECD countries Analyzes the impact of EU competition law and policy on the regulatory framework adopted at the national level in several European social healthcare insurance markets Includes supplementary material: sn.pub/extras

Contenu
General Introduction.- Economic Rationales for the Design of Health Care Financing Schemes.- The Design of Health Care Financing Schemes in Different Countries.- The Potential for Risk Rating in Competitive Markets for Supplementary Health Insurance: An Empirical Analysis.- Competition and Solidarity in in Health Insurance Markets: An Economic Analysis of the EC Legal Framework.- Risk Selection Via Health Insurance in Universal Mandatory Health Insurance for Basic Services: A Five-Country Comparison.- Conclusions and Discussion.