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Reforming health insurance: A question of principles?
Author(s) -
Dror David M.
Publication year - 2000
Publication title -
international social security review
Language(s) - English
Resource type - Journals
SCImago Journal Rank - 0.349
H-Index - 28
eISSN - 1468-246X
pISSN - 0020-871X
DOI - 10.1111/1468-246x.00072
Subject(s) - moral hazard , health insurance , income protection insurance , public health insurance , self insurance , casualty insurance , business , coping (psychology) , insurance law , social insurance , public economics , developed country , actuarial science , insurance policy , general insurance , economic growth , political science , economics , environmental health , health care , law , medicine , market economy , psychiatry , incentive , population
Most industrialized countries have financed health services through health insurance. Two systems prevail: private, or public (social) health insurance. The theoretical differences between them are reviewed. It is argued that most health systems are, however, hybrids and that health insurance reform in Europe and the United States has accentuated this trend because the principles distinguishing the two systems have often been ignored. This is illustrated through the evolution of voluntary vs. compulsory affiliation, coping with moral hazard, and provider regulation.