Mix pubblico e privato nel finanziamento dei servizi sanitari in Australia: opt-out con sussidi aggiustati per il profilo di rischio degli assicurati?

Francesco Paolucci, James Butler, Wynand van de Ven

Research output: Contribution to journalArticlepeer-review

Abstract

Australia’s existing health financing arrangements lead to partial duplication in coverage for private health insurance holders. The two options to remove duplication are: 1) allowing individuals to ‘opt-out’ from Medicare either (a) by purchasing private health insurance or (b) by self-insuring via medical savings accounts or other pre-payment arrangements; 2) confining private health insurance to the coverage of supplementary services. This paper argues in favour of option 1(a), and argues that from an efficiency perspective: private health insurance should be fully substitutive of Medicare coverage (i.e. ‘opting-out’ should be allowed); community-rating should be replaced by premium bands; and the 30-40% ad valorem subsidy for private health insurance should be replaced by ex-ante risk-adjusted subsidies.
Original languageEnglish
Pages (from-to)147-159
JournalPolitiche Sanitarie
Volume13
Issue number3
Publication statusPublished - 2012

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