Download Beyond Survival: Protecting Households from Health Shocks by Christian Baeza, Truman Packard, Fernando Montenegro-torres PDF

By Christian Baeza, Truman Packard, Fernando Montenegro-torres

ISBN-10: 0821365711

ISBN-13: 9780821365717

ISBN-10: 082136572X

ISBN-13: 9780821365724

'Beyond Survival' breaks new floor within the ongoing debate approximately healthiness finance and fiscal security from the prices of future health care. The proof and dialogue aid the necessity to think about monetary safeguard, as well as healthiness prestige, as a coverage goal whilst environment priorities for wellbeing and fitness structures. This publication reports the Latin American adventure with health and wellbeing reform within the final twenty years and the basics of wellbeing and fitness process financing, utilizing new proof to teach the significance and mechanisms that confirm the impoverishing results of future health occasions (diseases, injuries, and people of the existence cycle). It offers recommendations for coverage makers on the right way to shield, and support loved ones to guard themselves,against this impoverishment. The authors use empirical proof from six case stories commissioned for this document, on Argentina, Chile, Colombia, Ecuador, Honduras, and Mexico. This e-book offers coverage makers with an excellent conceptual foundation for judgements at the contents of needed medical health insurance gain programs, offerings of financing mechanisms, and the jobs of public coverage during this box. 'Beyond Survival' presents an in-depth research of, and organizational possible choices for, probability pooling and medical insurance for monetary defense. It analyzes the pressing have to expand possibility pooling to the casual quarter, the demanding situations for present social assurance preparations, and suggestions for coverage makers to successfully expand hazard pooling to the casual zone.

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Extra info for Beyond Survival: Protecting Households from Health Shocks (Latin American Development)

Example text

This system is optimal when salary contributions are feasible and a large part of the population participates in the same risk pool. In a system with multiple, competing insurers, high informality, and a fragmented risk pool, salary-related contributions increase the incentives for risk selection (“cherry-picking”). Also, as discussed in chapter 5, payroll taxes create incentives for nonparticipation and for adverse selection in the context of great and increasing informality, which makes participation in social security essentially voluntary.

Under these systems, fiscal sustainability is the challenge, which explains why many countries have no option but a mixed system combining NHS and contributory risk-pooling arrangements. However, distinguishing among these three populations becomes essential for health policy formulation in countries where governments choose (or where fiscal constraints leave them no other option) to organize risk pooling through contributory health insurance (social or private) or through a combination of contributory and noncontributory systems.

Cross-subsidies are the essence of health insurance. 2. 2 Pooling Risks between High- and Low-Risk Individuals Effects of Risk Pooling Cross-subsidization from lower- to higher-risk individuals Required household contribution Higher risk Before risk pooling Lower risk Required household contribution Lower risk Higher risk After risk pooling Source: Baeza et al. 2002, 24. Reproduced by permission. every pool member. However, as discussed in chapter 6, reaching informal and unsalaried workers with this kind of contributory risk pooling poses significant problems because it gives households strong incentives for adverse selection and insurers strong incentives for risk-selection behavior.

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Beyond Survival: Protecting Households from Health Shocks (Latin American Development) by Christian Baeza, Truman Packard, Fernando Montenegro-torres

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