Health Insurance Scheme Performance and Effects on Health and Health Inequalities in Chile
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| Format: | Artículo científico |
| Langue: | en |
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Medical Education Cooperation with Cuba
2017
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| author | Carla Castillo-Laborde |
| author_facet | Carla Castillo-Laborde |
| contents | Health Insurance Scheme Performance and Effects on Health and Health Inequalities in Chile Carla Castillo-Laborde Ximena Aguilera-Sanhueza Macarena Hirmas-Adauy Isabel Matute Willemsen Iris Delgado-Becerra Manuel Nájera-De Ferrari Andrea Olea-Normandin Claudia González-Wiedmaier Medicina Chile Health policy health insurance health care economics and organizations INTRODUCTION Health systems are one determinant of health; their role is to facilitate timely and equitable access to quality services. The way in which a health system is organized can profoundly affect achievement of its objectives. The main feature of the Chilean health system is the coexistence of a public health insurance program (based on a social insurance model) with several market-based private health insurance companies. This hybrid structure provides an interesting framework for analyzing and evaluating the system’s effects on health inequalities. OBJECTIVE Assess Chilean public and private health insurance schemes’ performance and its effects on health inequalities. METHODS Public health insurance was compared with private insurance using indicators from 2013 (or the closest year) in the following domains: inputs, outputs (provider visits, discharges), outcomes (coverage) and impact (on health, quality of life, fi nances and patient satisfaction) as well as demographic and social determinant indicators. A conceptual framework for measuring health system performance was used. Data were obtained from administrative records and population-based surveys. RESULTS The publicly insured population had greater health care needs, was older (aging index 83.4 vs. 36.5) and poorer (17.2% vs. 1.5% below the poverty line) than the population covered by private insurers. The public insurer received average monthly funding of US$50.94 per bene fi ciary and spent US$51.43, while private insurers on average collected US$94.79 monthly per bene fi ciary, and spent US$69.63 on health services (excluding medical leave bene fi ts). Private health insurance bene fi ciaries were more likely than their publicly insured counterparts to access specialized medical services (18.3% vs. 9.3%) and dentists (11.2% vs. 5.9%), have laboratory tests (18.1% vs. 4.8%), and undergo surgery (7.8% vs. 5.9%). Risk factor and disease prevalence was lower among private insurance bene fi ciaries for 16 of 18 tracer conditions, although age-adjusted differences were not signi fi cant. Finally, incidence of catastrophic spending was slightly lower among private insurance bene fi ciaries (3.7% vs. 4.2%), and a greater proportion of them were satis fi ed or very satis fi ed with the health system (37% vs. 17%). CONCLUSIONS The relative youth and better fi nancial status of bene fi ciaries of private insurers is compatible with selection for lower risk. While private plans offer greater fi nancial protection and receive higher user satisfaction ratings than the public plan, differences in fi nancing between the two types of insurance affect availability and utilization of services. This constitutes a s 2017 artículo científico 1555-7960 https://www.redalyc.org/articulo.oa?id=437552190010 en http://www.redalyc.org/revista.oa?id=4375 MEDICC Review application/pdf Medical Education Cooperation with Cuba MEDICC Review (Estados Unidos de América) Num.2-3 Vol.19 |
| format | Artículo científico |
| id | redalyc_437552190010 |
| institution | Redalyc |
| language | en |
| publishDate | 2017 |
| publisher | Medical Education Cooperation with Cuba |
| spellingShingle | Health Insurance Scheme Performance and Effects on Health and Health Inequalities in Chile Carla Castillo-Laborde Medicina Chile Health policy health insurance health care economics and organizations Health Insurance Scheme Performance and Effects on Health and Health Inequalities in Chile Carla Castillo-Laborde Ximena Aguilera-Sanhueza Macarena Hirmas-Adauy Isabel Matute Willemsen Iris Delgado-Becerra Manuel Nájera-De Ferrari Andrea Olea-Normandin Claudia González-Wiedmaier Medicina Chile Health policy health insurance health care economics and organizations INTRODUCTION Health systems are one determinant of health; their role is to facilitate timely and equitable access to quality services. The way in which a health system is organized can profoundly affect achievement of its objectives. The main feature of the Chilean health system is the coexistence of a public health insurance program (based on a social insurance model) with several market-based private health insurance companies. This hybrid structure provides an interesting framework for analyzing and evaluating the system’s effects on health inequalities. OBJECTIVE Assess Chilean public and private health insurance schemes’ performance and its effects on health inequalities. METHODS Public health insurance was compared with private insurance using indicators from 2013 (or the closest year) in the following domains: inputs, outputs (provider visits, discharges), outcomes (coverage) and impact (on health, quality of life, fi nances and patient satisfaction) as well as demographic and social determinant indicators. A conceptual framework for measuring health system performance was used. Data were obtained from administrative records and population-based surveys. RESULTS The publicly insured population had greater health care needs, was older (aging index 83.4 vs. 36.5) and poorer (17.2% vs. 1.5% below the poverty line) than the population covered by private insurers. The public insurer received average monthly funding of US$50.94 per bene fi ciary and spent US$51.43, while private insurers on average collected US$94.79 monthly per bene fi ciary, and spent US$69.63 on health services (excluding medical leave bene fi ts). Private health insurance bene fi ciaries were more likely than their publicly insured counterparts to access specialized medical services (18.3% vs. 9.3%) and dentists (11.2% vs. 5.9%), have laboratory tests (18.1% vs. 4.8%), and undergo surgery (7.8% vs. 5.9%). Risk factor and disease prevalence was lower among private insurance bene fi ciaries for 16 of 18 tracer conditions, although age-adjusted differences were not signi fi cant. Finally, incidence of catastrophic spending was slightly lower among private insurance bene fi ciaries (3.7% vs. 4.2%), and a greater proportion of them were satis fi ed or very satis fi ed with the health system (37% vs. 17%). CONCLUSIONS The relative youth and better fi nancial status of bene fi ciaries of private insurers is compatible with selection for lower risk. While private plans offer greater fi nancial protection and receive higher user satisfaction ratings than the public plan, differences in fi nancing between the two types of insurance affect availability and utilization of services. This constitutes a s 2017 artículo científico 1555-7960 https://www.redalyc.org/articulo.oa?id=437552190010 en http://www.redalyc.org/revista.oa?id=4375 MEDICC Review application/pdf Medical Education Cooperation with Cuba MEDICC Review (Estados Unidos de América) Num.2-3 Vol.19 |
| title | Health Insurance Scheme Performance and Effects on Health and Health Inequalities in Chile |
| topic | Medicina Chile Health policy health insurance health care economics and organizations |
| url | https://www.redalyc.org/articulo.oa?id=437552190010 |