Health insurance companies criticize the health care reform

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Statutory health insurers are calling for changes to the health reform passed today in the federal cabinet

(22.09.2010) The statutory health insurance companies are not at all satisfied with the health care reform that was decided today. They insist on extensive changes. The reforms were approved today by the federal cabinet. In future, employees will have to bear the cost increases in healthcare alone. The replacement health insurers see a clear need for change.

The statutory health insurance companies vehemently criticized the health reform passed today. The chairman of the replacement fund association, Thomas Ballast, complained that the future contribution charges would only have to be paid by the employees. The planned reform made it clear that the exit of employers in the cost sharing in the healthcare system was heralded. Ballast made it clear that health insurance patients have to pay the additional contributions open upwards alone. In the very near future, further higher contributions for the health insured persons of the statutory health insurance companies can be expected. These costs are then shouldered solely by the employees through the additional contributions. There is no provision for employers to share the costs as a percentage. For the replacement cash register boss, this is the start of a lump sum per head in healthcare.

Health care reform is promoting private health insurance
The obvious promotion of private health insurance (PKV) is also criticized. For ballast, the health care reform is a private health measure. The change from the SHI to the PKV has been significantly simplified. The waiting time has been reduced from three to one year. The statutory health insurance companies thus miss out on numerous healthy and high contributors. In addition, private insurers should benefit from the pharmaceutical discounts in the future. The austerity measures and premium increases could cover the expected health insurance deficit of eleven billion euros for the coming year, but the savings for doctors and hospitals are not consistent enough and ambitious enough, according to the primary health insurance fund chairman.

Employers are supposed to share in the costs of the health care system

It would have been better to involve employers in the higher healthcare costs. In the future, the additional contributions should also be calculated as a percentage of the employee's income. In this way, social compensation could actually be created in which the additional contributions are based on income. Social equalization is technically feasible, but involves a considerable administrative effort. The funding for social compensation is also not sufficiently regulated.

The black and yellow coalition plans to have the reforms approved by the German Bundestag by mid-November. The implementation of the reform plans should take place at the beginning of 2011. (sb)

Also read:
Health reform decided by the federal cabinet
Social associations reject health care reform
PKV: Services and quality a reason for changing?

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