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The first chapter presents seven models through which it is possible to finance healthcare services (and protect oneself from the risks of disease). Seven different funding models are introduced: (1) The direct market; (2) Voluntary health insurance; (3) Social health insurance; (4) Targeted programs; (5) Mandatory residence insurance; (6) The universalist model; (7) Medical savings accounts. For each model discussed, attention is paid to the following dimensions: who pays and who benefits from the system; the number and legal status of the insurers; the methods by which users contribute financially; the freedom of choice granted to citizens; the relationships between insurers and providers; the role played by the State.
The standard classifications of health systems don't allow for the complexity and variety that exists around the world. Federico Toth sets out a new framework for understanding the many ways in which health systems can be organized and systematically analyses the health systems chosen by 27 OECD countries. He provides a great deal of up-to-date data on financing models, healthcare spending, insurance coverage, methods of organizing providers, healthcare personnel, remuneration methods for doctors and hospitals, development trajectories and recent reforms. For each of the major components of the healthcare system, the organizational models and the possible variants from which individual countries can ideally select are defined. Then, based on the organizational solutions actually adopted, the various national systems are grouped into homogeneous families. With its clear, jargon-free language and concrete examples, this is the most accessible comparative study of international healthcare arrangements available.
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