Impact of the Guaranteed Health Plan with a single community premium on the demand for private health insurance in Chile

Villena, Marcelo
Bitrán, Eduardo
Duarte, Fabián
Fernandes, Dalila

2018-04-10T21:03:05Z

10
LC/PUB.2017/24-P

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In 2012, a Guaranteed Health Plan for the private health system was submitted to the Chilean National Congress, with the aim of offering a standardized flat-rate health-care plan. This paper evaluates the impact that the introduction of this plan would have on the demand for health insurance. The results suggest that the private insurance portfolio would shrink by 12.39%, which means that around 400,000 people would switch to the public system, thereby exacerbating the adverse-selection problem faced by the system and imposing an additional fiscal burden of US$ 200 million per year.

SALUD; SECTOR PRIVADO; SEGURO DE ENFERMEDAD; PRECIOS; OFERTA Y DEMANDA; SERVICIOS DE SALUD; SECTOR PUBLICO; DATOS ESTADISTICOS; HEALTH; PRIVATE SECTOR; HEALTH INSURANCE; PRICES; SUPPLY AND DEMAND; HEALTH SERVICES; PUBLIC SECTOR; STATISTICAL DATA;