Health Insurance Regulation

Author : Sagan A.,Sarah Thomson
Publisher : World Health Organization
Page : 163 pages
File Size : 51,8 Mb
Release : 2016-07-20
Category : Business & Economics
ISBN : 9789289050371

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Voluntary Health Insurance in Europe: Country Experience by Sagan A.,Sarah Thomson Pdf

No two markets for voluntary health insurance (VHI) are identical. All differ in some way because they are heavily shaped by the nature and performance of publicly financed health systems and by the contexts in which they have evolved. This volume contains short structured profiles of markets for VHI in 34 countries in Europe. These are drawn from European Union member states plus Armenia Iceland Georgia Norway the Russian Federation Switzerland and Ukraine. The book is aimed at policy-makers and researchers interested in knowing more about how VHI works in practice in a wide range of contexts. Each profile written by one or more local experts identifies gaps in publicly-financed health coverage describes the role VHI plays outlines the way in which the market for VHI operates summarises public policy towards VHI including major developments over time and highlights national debates and challenges. The book is part of a study on VHI in Europe prepared jointly by the European Observatory on Health Systems and Policies and the WHO Regional Office for Europe. A companion volume provides an analytical overview of VHI markets across the 34 countries.

Author : United States. General Accounting Office
Publisher : Unknown
Page : 68 pages
File Size : 44,9 Mb
Release : 1993
Category : Health insurance
ISBN : UOM:39015042959638

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Health Insurance Regulation by United States. General Accounting Office Pdf

Author : Sagan A.,Sarah Thomson
Publisher : World Health Organization
Page : 136 pages
File Size : 43,8 Mb
Release : 2016-07-20
Category : Business & Economics
ISBN : 9789289050388

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Voluntary Health Insurance in Europe: Role and Regulation by Sagan A.,Sarah Thomson Pdf

If public resources were unlimited there would be no gaps in health coverage and no real need for VHI. However most health systems face fiscal constraints and VHI is often seen as a way to address these pressures. This study draws from the experiences of 34 countries to assess VHI s contribution to health spending and to understand its role in Europe and in relation to publicly financed coverage. It looks at who sells VHI who purchases it and why. It also reviews public policy towards VHI at national and EU levels and the related national policy debates. The analysis shows that while the different markets for VHI vary considerably in size operation and regulation the vast majority are small. Where there are substantial markets these tend to be the oldest ones having a tradition of non-profit insurers and to be the most heavily regulated to ensure VHI policies are accessible and affordable. The study also suggests that VHI is normally a better way of meeting population health needs than out-of-pocket payments although there are notable exceptions. VHI can contribute to financial protection especially where it plays a substitutive and complementary role covering co-payments. However it is a complex challenging and highly context-specific policy instrument that may undermine other health system goals including equitable access efficiency transparency and accountability even where markets are well regulated. Policy-makers should therefore exercise real caution before expanding VHI to fill coverage gaps. This volume and its companion set of country profiles were developed jointly by the Observatory s LSE hub and the WHO Regional Office for Europe. The study draws on contributions from national experts from the EU EFTA and other countries in Europe.

Author : Institute of Medicine,Committee on Employment-Based Health Benefits
Publisher : National Academies Press
Page : 381 pages
File Size : 42,6 Mb
Release : 1993-02-01
Category : Medical
ISBN : 9780309048279

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Employment and Health Benefits by Institute of Medicine,Committee on Employment-Based Health Benefits Pdf

The United States is unique among economically advanced nations in its reliance on employers to provide health benefits voluntarily for workers and their families. Although it is well known that this system fails to reach millions of these individuals as well as others who have no connection to the work place, the system has other weaknesses. It also has many advantages. Because most proposals for health care reform assume some continued role for employers, this book makes an important contribution by describing the strength and limitations of the current system of employment-based health benefits. It provides the data and analysis needed to understand the historical, social, and economic dynamics that have shaped present-day arrangements and outlines what might be done to overcome some of the access, value, and equity problems associated with current employer, insurer, and government policies and practices. Health insurance terminology is often perplexing, and this volume defines essential concepts clearly and carefully. Using an array of primary sources, it provides a store of information on who is covered for what services at what costs, on how programs vary by employer size and industry, and on what governments doâ€"and do not doâ€"to oversee employment-based health programs. A case study adapted from real organizations' experiences illustrates some of the practical challenges in designing, managing, and revising benefit programs. The sometimes unintended and unwanted consequences of employer practices for workers and health care providers are explored. Understanding the concepts of risk, biased risk selection, and risk segmentation is fundamental to sound health care reform. This volume thoroughly examines these key concepts and how they complicate efforts to achieve efficiency and equity in health coverage and health care. With health care reform at the forefront of public attention, this volume will be important to policymakers and regulators, employee benefit managers and other executives, trade associations, and decisionmakers in the health insurance industry, as well as analysts, researchers, and students of health policy.

Author : Greg Brunner,Pablo Gottret,Birgit Hansl,Vijayasekar Kalavakonda,Somil Nagpal,Nicole Tapay
Publisher : World Bank Publications
Page : 135 pages
File Size : 45,6 Mb
Release : 2012-05-14
Category : Business & Economics
ISBN : 9780821387573

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Private Voluntary Health Insurance by Greg Brunner,Pablo Gottret,Birgit Hansl,Vijayasekar Kalavakonda,Somil Nagpal,Nicole Tapay Pdf

This book aims to help countries design and implement a legal framework for a viable private health insurance market, with rationale for insurance regulation, institutions involved, and standards and protections used in regulating private health insurance.

Author : Institute of Medicine,Board on Health Care Services,Committee on the Consequences of Uninsurance
Publisher : National Academies Press
Page : 213 pages
File Size : 43,8 Mb
Release : 2002-06-20
Category : Medical
ISBN : 9780309083430

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Care Without Coverage by Institute of Medicine,Board on Health Care Services,Committee on the Consequences of Uninsurance Pdf

Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.

Author : Leslie G. Aronovitz
Publisher : Unknown
Page : 20 pages
File Size : 46,5 Mb
Release : 1993
Category : Health insurance
ISBN : UOM:39015042473648

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Health Insurance by Leslie G. Aronovitz Pdf

Author : Thomas G. McGuire,Richard C. Van Kleef
Publisher : Academic Press
Page : 648 pages
File Size : 43,8 Mb
Release : 2018-08-06
Category : Business & Economics
ISBN : 9780128113264

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Risk Adjustment, Risk Sharing and Premium Regulation in Health Insurance Markets by Thomas G. McGuire,Richard C. Van Kleef Pdf

Risk Adjustment, Risk Sharing and Premium Regulation in Health Insurance Markets: Theory and Practice describes the goals, design and evaluation of health plan payment systems. Part I contains 5 chapters discussing the role of health plan payment in regulated health insurance markets, key aspects of payment design (i.e. risk adjustment, risk sharing and premium regulation), and evaluation methods using administrative data on medical spending. Part II contains 14 chapters describing the health plan payment system in 14 countries and sectors around the world, including Australia, Belgium, Chile, China, Columbia, Germany, Ireland, Israel, the Netherlands, Russia, Switzerland and the United States. Authors discuss the evolution of these payment schemes, along with ongoing reforms and key lessons on the design of health plan payment. Provides a conceptual toolkit that describes the goals, design and evaluation of health plan payment systems in the context of policy paradigms, such as efficiency, affordability, fairness and avoidance of risk selection Brings together international experience from many different countries that apply regulated competition in different ways Delivers a practical toolkit for the evaluation of health plan payment modalities from the standpoint of efficiency and fairness

Author : Cyril Benoît,Marion Del Sol,Philippe Martin
Publisher : Springer Nature
Page : 333 pages
File Size : 51,9 Mb
Release : 2020-12-03
Category : Political Science
ISBN : 9783030543556

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Private Health Insurance and the European Union by Cyril Benoît,Marion Del Sol,Philippe Martin Pdf

Research has paid little attention to date on how European Union law and regulation affect both the public-private mix in healthcare and the organization of private health insurance as an industry. Filling this gap, this collective book provides insights on the political economy of EU insurance regulation, its impact on private health insurers and on its interactions with domestic healthcare policy-making in four countries. Assembling original contributions drafted by a multidisciplinary team, Private Health Insurance and the European Union offers a thorough examination of a largely unrecognized source of EU influence in healthcare – and sheds a new light on the role played by private actors in social policy. Chapter 1 is available open access under a Creative Commons Attribution 4.0 International License via link.springer.com.

Author : United States. General Accounting Office
Publisher : Unknown
Page : 40 pages
File Size : 46,5 Mb
Release : 1996
Category : Health insurance
ISBN : UOM:39015048590072

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Health Insurance Regulation by United States. General Accounting Office Pdf

Author : John Lavis
Publisher : Unknown
Page : 442 pages
File Size : 53,5 Mb
Release : 2016-12
Category : Medical care
ISBN : 1927565111

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Ontario's Health System by John Lavis Pdf

Author : BARBARA. BILLINGSLEY
Publisher : Unknown
Page : 128 pages
File Size : 46,5 Mb
Release : 2020
Category : Electronic
ISBN : 0433498617

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GENERAL PRINCIPLES OF CANADIAN INSURANCE LAW. by BARBARA. BILLINGSLEY Pdf

Author : Ontario,Ontario. Ministry of Health
Publisher : Unknown
Page : 102 pages
File Size : 55,7 Mb
Release : 1982
Category : Electronic
ISBN : OCLC:20091580

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Health Insurance Act : Revised Statutes of Ontario, 1980 Chapter 197 ; And, Regulation 452 : Revised Regulations of Ontario, 1980 as Amended to O. Reg. 83 by Ontario,Ontario. Ministry of Health Pdf

Author : Tamara Thompson
Publisher : Greenhaven Publishing LLC
Page : 130 pages
File Size : 48,7 Mb
Release : 2014-12-02
Category : Young Adult Nonfiction
ISBN : 9780737776195

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The Affordable Care Act by Tamara Thompson Pdf

The Patient Protection and Affordable Care Act (ACA) was designed to increase health insurance quality and affordability, lower the uninsured rate by expanding insurance coverage, and reduce the costs of healthcare overall. Along with sweeping change came sweeping criticisms and issues. This book explores the pros and cons of the Affordable Care Act, and explains who benefits from the ACA. Readers will learn how the economy is affected by the ACA, and the impact of the ACA rollout.

Author : Anonim
Publisher : Unknown
Page : 88 pages
File Size : 46,9 Mb
Release : 2007
Category : Employer-sponsored health insurance
ISBN : IND:30000123779971

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Health Benefits Coverage Under Federal Law--. by Anonim Pdf