Week 3 Part 1 Flashcards
Health financing
A core function of health systems that can enable progress toward universal health coverage
Health care systems are evaluated based on
- access
- cost
- quality
Single payer system
Government funds everyone through taxation
pre-payment model
Sources of funding
- taxation
- premium (BC, ON)
- user fees (out-of-pocket)
Global health systems may be characterized four ways
- national/public health systems
- social insurance
- private insurance
- out-of-pocket models
National/public health system
- universal coverage through taxation
- UK and former colonies
- hard to grow revenue
Social insurance
- compulsory premiums with subsides for non-insured
- France and Germany
Private insurance
- voluntary premiums
- no subsides
Assessing money collection
- equity
- efficiency
- adequacy
- volatility
- sustainability
- acceptability
Risk pooling
An insurance concept whereby risk associated with uncertain and potentially high cost events can be spread evenly among a large number of people
Issues with risk pooling
- adverse selection (people at greater risk are more likely to use)
- moral hazard (more likely to seek care, and more expensive care if it is available)
Health economics
Includes the study of incentives, concerned with models and theories that help explain and predict patterns of behaviour
Incentives from pay structures
- quality of services
- quality (of care)
- cost control
Current spending statistics
- $253.5 billion
- NWT greatest per person
- 11.3 GDP
- 65% government funded
- most on drugs, physicians and hospitals
- NWT spending least on drugs
Ontario premiums
- based on taxable income
- maximum of 900
