Jolly Red Giant
21-02-2011, 09:17 AM
Both Fine Gael and the Labour Party plan on introducing mandatory Universal Health Insurance after the next general election. Fine Gael’s ‘FairCare’ plan lauds the Dutch system of Universal Health Insurance. The Labour Party’ ‘FairHealthCare’ plan is similar but instead of using the Dutch system as a model, the Labour Party refer to the German system. In reality both systems face the same issues – issues that should be answered before anyone votes for Fine Gael or the Labour Party.
Twelve points that need to be addressed in relation to the Dutch model of Universal Health insurance –
Both Fine Gael and the Labour Party plan on introducing mandatory Universal Health Insurance after the next general election. Fine Gael’s ‘FairCare’ plan lauds the Dutch system of Universal Health Insurance. The Labour Party’ ‘FairHealthCare’ plan is similar but instead of using the Dutch system as a model, the Labour Party refer to the German system. In reality both systems face the same issues – issues that should be answered before anyone votes for Fine Gael or the Labour Party.
Twelve points that need to be addressed in relation to the Dutch model of Universal Health insurance –
1. The Netherlands has gone from a two-tier health system to a three-tier health system. Almost half a million people are now uninsured or defaulting on the health insurance payments.
(Leu, R. E., Rutten, F. F. H.. Brouwer, W., et al., “The Swiss and Dutch Health Insurance Systems: Universal Coverage and Regulated Competitive Insurance Markets”, The Commonwealth Fund, (January 2009), p.5)
2. Private health insurance companies are findings ways to circumvent the ban on ‘risk selection’.
(Maarse, H., “Testing Market Practices”, Health Care Cost Monitor, (8 June 2009) p.13)
3. The current cost of the Universal Health Insurance basic package in the Netherlands is €1194 per person for this year. On top of that Employers deduct a further 6.9% of a workers income up to a ceiling (€2233 in 2009).
(Baxter, G., “Is going Dutch our best healthcare option?”, Irish Medical Times, (March 18, 2010))
4. With annual income running at €53,000 per household, the annual cost of health insurance is somewhere between €4,525 and €5,625, or 8.6 to 10.7 per cent of household income.
(Baxter, G., “Is going Dutch our best healthcare option?”, Irish Medical Times, (March 18, 2010))
5. Since the introduction of Universal Health Insurance in 2006, premium costs have risen by 41% and could double from the current rates by 2014.
(Dutch News, “Health insurance rises 41% over five years” Dutch News, (dutchnews.nl, 9 Nov. 2010))
6. More than 50% of the hospitals in the Netherlands are facing bankruptcy as a result of the introduction of Universal Health Insurance in 2006.
(Maarse, H., “Testing Market Practices”, Health Care Cost Monitor, (8 June 2009) p.1)
7. There has been a significant and continuing increase in healthcare costs since the introduction of Universal Health Insurance in 2006.
(Rosenau, P.V., & Lako, C.J., “An Experiment with Regulated Competition and Individual Mandates for Universal Health Care: The New Dutch Health Insurance System”, Journal of Health Politics, Policy and Law, Vol. 33, No. 6, (December 2008) p. 1040)
8. The necessity to negotiate and implement 30,000 Diagnosis Treatment Combinations (DBCs) between private health insurance companies and individual hospitals has led to a massive bureaucratisation of the system.
(Maarse, H., “Testing Market Practices”, Health Care Cost Monitor, (8 June 2009) p.12)
9. It is not known how many hospital beds there actually are in the Netherlands.
(Schäfer W, Kroneman M, Boerma W, van den Berg M, Westert G, Devillé W
and van Ginneken E., “The Netherlands: Health system review”, Health Systems in Transition, (2010) 12(1) p.117)
10. The Dutch healthcare system has growing waiting lists and short-notice postponement of operations.
(Schäfer W, Kroneman M, Boerma W, van den Berg M, Westert G, Devillé W
and van Ginneken E., “The Netherlands: Health system review”, Health Systems in Transition, (2010) 12(1) p.133)
11. The Dutch healthcare system is no better than average in comparison with other wealthy countries.
(Schäfer W, Kroneman M, Boerma W, van den Berg M, Westert G, Devillé W
and van Ginneken E., “The Netherlands: Health system review”, Health Systems in Transition, (2010) 12(1) p.XX)
12. 41% of people say that the quality of the health system has worsened since the introduction of Universal Health Insurance in 2006, while 8% indicated that it had improved.
(Rosenau, P.V., & Lako, C.J., “An Experiment with Regulated Competition and Individual Mandates for Universal Health Care: The New Dutch Health Insurance System”, Journal of Health Politics, Policy and Law, Vol. 33, No. 6, (December 2008) p. 1047)
In Germany –
1. The public health insurance system has a projected deficit of €11billion in 2011
(Rainer Buergin – ‘Merkel Government to Raise Health-Insurance Premiums in Bid to Cut Deficit’ Bloomberg News, Jul 6, 2010)
2. Older patients and those with chronic or long-term illnesses are dumped off of the private insurance system onto the public insurance system causing rising costs for public UHI.
3. Patients with private health insurance (rather than UHI) are automatically seen before UHI patients – even in a GP’s surgery.
4. As the crisis in the German healthcare system continues to grow those on lower incomes are being disproportionally hit by rising costs.
5. German Health Minister, Philipp Rösler, plans on switching from health premiums based on a percentage of income to premiums based on a flat rate charge, thereby further hitting those on low incomes.
(The Economist, 29th April 2010)
6. Procedures covered in the basic UHI package are dropping and out-of-pocket payments by patients are increasing.
(Kaiser Family Foundation, Cost Sharing for Health Care: France, Germany, and Switzerland, (January 2009), p. 13-15)
In terms of both systems of health care the issue are the same.
- Rising costs – despite claims from both FG and LP to the contrary
- Rising insurance premiums
- Rising deficits
Twelve points that need to be addressed in relation to the Dutch model of Universal Health insurance –
Both Fine Gael and the Labour Party plan on introducing mandatory Universal Health Insurance after the next general election. Fine Gael’s ‘FairCare’ plan lauds the Dutch system of Universal Health Insurance. The Labour Party’ ‘FairHealthCare’ plan is similar but instead of using the Dutch system as a model, the Labour Party refer to the German system. In reality both systems face the same issues – issues that should be answered before anyone votes for Fine Gael or the Labour Party.
Twelve points that need to be addressed in relation to the Dutch model of Universal Health insurance –
1. The Netherlands has gone from a two-tier health system to a three-tier health system. Almost half a million people are now uninsured or defaulting on the health insurance payments.
(Leu, R. E., Rutten, F. F. H.. Brouwer, W., et al., “The Swiss and Dutch Health Insurance Systems: Universal Coverage and Regulated Competitive Insurance Markets”, The Commonwealth Fund, (January 2009), p.5)
2. Private health insurance companies are findings ways to circumvent the ban on ‘risk selection’.
(Maarse, H., “Testing Market Practices”, Health Care Cost Monitor, (8 June 2009) p.13)
3. The current cost of the Universal Health Insurance basic package in the Netherlands is €1194 per person for this year. On top of that Employers deduct a further 6.9% of a workers income up to a ceiling (€2233 in 2009).
(Baxter, G., “Is going Dutch our best healthcare option?”, Irish Medical Times, (March 18, 2010))
4. With annual income running at €53,000 per household, the annual cost of health insurance is somewhere between €4,525 and €5,625, or 8.6 to 10.7 per cent of household income.
(Baxter, G., “Is going Dutch our best healthcare option?”, Irish Medical Times, (March 18, 2010))
5. Since the introduction of Universal Health Insurance in 2006, premium costs have risen by 41% and could double from the current rates by 2014.
(Dutch News, “Health insurance rises 41% over five years” Dutch News, (dutchnews.nl, 9 Nov. 2010))
6. More than 50% of the hospitals in the Netherlands are facing bankruptcy as a result of the introduction of Universal Health Insurance in 2006.
(Maarse, H., “Testing Market Practices”, Health Care Cost Monitor, (8 June 2009) p.1)
7. There has been a significant and continuing increase in healthcare costs since the introduction of Universal Health Insurance in 2006.
(Rosenau, P.V., & Lako, C.J., “An Experiment with Regulated Competition and Individual Mandates for Universal Health Care: The New Dutch Health Insurance System”, Journal of Health Politics, Policy and Law, Vol. 33, No. 6, (December 2008) p. 1040)
8. The necessity to negotiate and implement 30,000 Diagnosis Treatment Combinations (DBCs) between private health insurance companies and individual hospitals has led to a massive bureaucratisation of the system.
(Maarse, H., “Testing Market Practices”, Health Care Cost Monitor, (8 June 2009) p.12)
9. It is not known how many hospital beds there actually are in the Netherlands.
(Schäfer W, Kroneman M, Boerma W, van den Berg M, Westert G, Devillé W
and van Ginneken E., “The Netherlands: Health system review”, Health Systems in Transition, (2010) 12(1) p.117)
10. The Dutch healthcare system has growing waiting lists and short-notice postponement of operations.
(Schäfer W, Kroneman M, Boerma W, van den Berg M, Westert G, Devillé W
and van Ginneken E., “The Netherlands: Health system review”, Health Systems in Transition, (2010) 12(1) p.133)
11. The Dutch healthcare system is no better than average in comparison with other wealthy countries.
(Schäfer W, Kroneman M, Boerma W, van den Berg M, Westert G, Devillé W
and van Ginneken E., “The Netherlands: Health system review”, Health Systems in Transition, (2010) 12(1) p.XX)
12. 41% of people say that the quality of the health system has worsened since the introduction of Universal Health Insurance in 2006, while 8% indicated that it had improved.
(Rosenau, P.V., & Lako, C.J., “An Experiment with Regulated Competition and Individual Mandates for Universal Health Care: The New Dutch Health Insurance System”, Journal of Health Politics, Policy and Law, Vol. 33, No. 6, (December 2008) p. 1047)
In Germany –
1. The public health insurance system has a projected deficit of €11billion in 2011
(Rainer Buergin – ‘Merkel Government to Raise Health-Insurance Premiums in Bid to Cut Deficit’ Bloomberg News, Jul 6, 2010)
2. Older patients and those with chronic or long-term illnesses are dumped off of the private insurance system onto the public insurance system causing rising costs for public UHI.
3. Patients with private health insurance (rather than UHI) are automatically seen before UHI patients – even in a GP’s surgery.
4. As the crisis in the German healthcare system continues to grow those on lower incomes are being disproportionally hit by rising costs.
5. German Health Minister, Philipp Rösler, plans on switching from health premiums based on a percentage of income to premiums based on a flat rate charge, thereby further hitting those on low incomes.
(The Economist, 29th April 2010)
6. Procedures covered in the basic UHI package are dropping and out-of-pocket payments by patients are increasing.
(Kaiser Family Foundation, Cost Sharing for Health Care: France, Germany, and Switzerland, (January 2009), p. 13-15)
In terms of both systems of health care the issue are the same.
- Rising costs – despite claims from both FG and LP to the contrary
- Rising insurance premiums
- Rising deficits