Beyond Survival: Protecting Households from Health Shocks in Latin America
Beyond Survival: Protecting Households from Health Shocks in Latin America breaks new ground in the ongoing debate about health finance and financial protection from the costs of health care. The evidence and discussion support the need to consider financial protection, in addition to health status, as a policy objective when setting priorities for health systems.
This book reviews the Latin American experience with health reform in the last 20 years and the fundamentals of health system financing, using new evidence to show the magnitude and mechanisms that determine the impoverishing effects of health events (diseases, accidents, and those of the life cycle). It provides options for policy makers on how to protect, and help households to protect themselves, against this impoverishment.
The authors use empirical evidence from six case studies commissioned for this report, on Argentina, Chile, Columbia, Ecuador, Honduras, and Mexico. This book provides policy makers with a solid conceptual basis for decisions on the contents of mandatory health insurance benefit packages, choices of financing mechanisms, and the roles of public policy in this field.
Beyond Survival provides an in-depth analysis of, and organizational alternatives for, risk pooling and health insurance for financial protection. It analyzes the urgent need to extend risk pooling to the informal sector, the challenges for current social insurance arrangements, and options for policy makers to effectively extend risk pooling to the informal sector.
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HEALTH CARE SYSTEMS IN LATIN AMERICA AND
HEALTH SHOCKS HOUSEHOLD WELFARE AND
PUBLIC POLICYS ROLE IN HOUSEHOLD PERCEPTION
and Frequency of Potential Losses
THE ROLE OF ALTERNATIVE RISKPOOLING ARRANGEMENTS
THE CHALLENGES POSED
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adverse selection Argentina Baeza Caribbean Chile Colombia consumption contribution-benefits gap contributory risk pooling costs covered delinking Ecuador efficiency ensure equity subsidies example Figure financial protection FONASA gap between contribution governments health care health finance health sector health shocks health spending health status health system Honduras household income impact of health impoverishing incentive framework income loss income quintile increase informal and unsalaried interventions ISAPREs labor market LAC countries LAC region Latin America lower-income mandated mandatory mitigate national health services nonpoor OECD options participation in contributory payroll tax perceived benefits percent policy makers poor population poverty line premiums prevention private health public providers public subsidies reduce reforms Regimen Subsidiado revenue risk-pooling arrangements risk-pooling organizations risk-pooling schemes risk-rated Salud saving self-employed sickness social health insurance social insurance social security spending on health strategic purchasing taxation tion universal coverage unsalaried workers
Page 155 - Analisis conceptual de la necesidad y factibilidad de introducer mecanismos de ajuste de riesgo en el contexto de portabilidad de los subsidios publicos en el sistema de seguros de salud en Chile.