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Consumer-centered vs. job-centered health insurance
The Journal of Nursing Administration
|January 1, 1980
Summary
Controlling healthcare costs and achieving universal coverage requires fair economic competition. The current job-linked insurance system hinders competition and rewards expensive medical practices.
Area of Science:
- Health Economics
- Healthcare Policy
Background:
- The current healthcare financing system impedes economic competition.
- Existing models incentivize cost-increasing behaviors among providers.
Purpose of the Study:
- To propose a system for controlling healthcare costs.
- To achieve universal healthcare coverage through economic competition.
Main Methods:
- Discussion of the "Consumer Choice Health Plan" proposal.
- Analysis of barriers to economic competition in healthcare.
Main Results:
- The dominant healthcare financing system obstructs competition.
- Job-linked health insurance is a primary barrier to a competitive market.
Conclusions:
- Fair economic competition is the most effective path to cost control and universal coverage.
- Reforming job-linked insurance is crucial for market competitiveness.