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Organization and problems of health insurance
Organization and problems of health insurance
Percentage of Uninsured Workers Ages 18-64, by Firm Size (1997)
34,7
20,9
15,818,2
29,7
12,7 12,3
0
5
10
15
20
25
30
35
40
Total <10 10-24 25-99 100-499 500-999 1000+
Firm Size
Ouch!
While the average health insurance premium for workers jumped 13.9%
this year from 2002, the increase was bigger for small employers:
3-9 workers 16.6%
10-24 15.2%
25-49 14.3%
50-199 15.9%
Source: Kaiser Family Foundation
Typical Loading Fees by Group Size As a Percent of Benefits (Phelps, p. 343)
17,511,5
35
6,5
25
70
0
10
20
30
40
50
60
70
80
Individual 1-10 11-100 100-200 201-1000 1000+
Per
cent
age
Patterns of Insurance CoverageType of Type of Health Health CareCare
Variance Variance of of
Financial Financial RiskRisk
Demand Demand ElasticityElasticity
(RHIE)(RHIE)
% of % of People People
Under 65 Under 65 InsuredInsured
Hospital Hospital CareCare
HighestHighest -0.15-0.15 8080
Surgical & Surgical & in-hosp in-hosp medicalmedical
HighHigh -0.15-0.15 7878
Outpatient Outpatient doctordoctor
MediumMedium -0.3-0.3 40-5040-50
DentalDental LowLow -0.4-0.4 4040The losses that are insured are: large, The losses that are insured are: large, infrequent, random, and not associated with infrequent, random, and not associated with a large moral hazard. a large moral hazard.
Secondary Risk (Variability) Declines as the Size of Risk Sharing Pool Increases
$2,000
$3,000
$4,000
$5,000
$6,000
$7,000
$8,000
200 500 1,000 2,000 5,000 10,000 20,000
Number of People in Risk Pool
Ex
pe
cte
d V
alu
e o
f C
laim
s
99% Confidence Limit
Expected Avg Loss = $5,000
Main push and pull factors in migration and international recruitment of health workers
Typology of migrant health workers
Number of international nurse registrants to Norway as recorded by SAFH 1996-2002
Doctors: number of new full entrants to GMC (United Kingdom) register from EEA countries, United Kingdom training and other countries, 1993–2003
Percentage of physicians intending to migrate to EU countries, 2002
