REFORMING COMPULSORY HEALTH INSURANCE IN MARKET CONDITIONS
Keywords:
Keywords: health insurance reform, market mechanisms, universal coverage, competition policy, selection problems, risk pooling, healthcare markets, , quality of care, healthcare equity.Abstract
Abstract: The reform of compulsory health insurance systems within market-
based frameworks represents one of the most significant challenges facing healthcare
policy makers globally. This article examines the theoretical foundations, empirical
evidence, and practical implementation strategies for reforming mandatory health
insurance schemes while maintaining market efficiency, equity, and sustainability.
Drawing upon extensive literature from health economics and policy research, we
analyze the tensions between universal coverage mandates and market competition,
explore various reform models from international experience, and identify key factors
that determine reform success. The evidence suggests that effective reform requires
careful balance between regulatory oversight and market mechanisms, with particular
attention to risk selection, cost containment, and equitable access. We conclude with
recommendations for policy makers seeking to navigate the complex terrain of health
insurance reform in increasingly market-oriented healthcare systems.
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