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荷兰支付基本医疗保险的意愿:数量和质量见解
M A Meijer1, A E M Brabers1, N Stadhouders2
1Nivel, Netherlands Institute for Health Services Research, Utrecht, the Netherlands.
The International journal of health planning and management
|March 18, 2025
概括
大多数荷兰人愿意每月支付140欧元以上的基本医疗保险,重视获得护理的机会. 然而,不断上升的成本和支付能力是继续支持医疗保健系统的关键问题.
科学领域:
- 卫生经济学 卫生经济学
- 公共卫生政策 公共卫生政策
- 消费者行为 消费者行为
背景情况:
- 医疗保健支出上升对公共对医疗保健系统的贡献构成威胁.
- 了解公共愿意支付 (WTP) 基本医疗保险对于系统的可持续性至关重要.
- 调查WTP的决定因素,可以了解消费者对医疗保健融资的看法.
研究的目的:
- 确定荷兰消费者基本医疗保险的平均WTP.
- 确定影响个人愿意或不愿意支付医疗保险的因素.
- 评估增加保费对公共支持医疗保健系统的潜在影响.
主要方法:
- 一种混合方法的方法,结合了在线调查 (N=760) 和半结构面试 (N=15).
- 在调查中,使用了潜在估值方法来评估WTP.
- 专题分析用于分析采访中的定性数据.
主要成果:
- 基本医疗保险的平均WTP为每月160欧元 (153-167欧元95%CI).
- 58%的受访者愿意支付超过2023年最低保费140.0欧元的最低保费.
- WTP与收入,年龄和教育有积极的相关性;关键影响因素包括支付能力,医疗保健使用和系统组织.
结论:
- 大多数荷兰人愿意为基本医疗保险支付超过目前最低保费的费用.
- 医疗保险的感知价值在于确保个人和公众获得医疗保健服务.
- 未来的保费增加可能会减少公共支持,因为支付能力是WTP的关键因素.
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