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The Impact of Private Health Insurance on Health System Performance 169
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adverse selection Australia Austria Belgium Canada challenges choice Colombo and Tapay competition complementary consumers contracts cost sharing Couverture Maladie Universelle covered by PHI duplicate PHI eligible employers enrolment example fees Germany group market group policies health coverage health insurance markets health plans health services health system high-risk HMOs impact incentives income increased Indemnity insurers individual market insurance entities Ireland levels limited managed care plans Medicaid Medical Savings Accounts Medicare Medigap Mossialos and Thomson Netherlands OECD countries OECD Health Data out-of-pocket payments PHI coverage PHI covers PHI markets PHI plays PHI policies policy makers population covered primary PHI private health insurance private hospitals private insurers providers public coverage public health insurance public programmes public system Questionnaire on Private regulation reimbursement requirements risk pooling role schemes sector social health insurance social insurance Spain standards subsidies Switzerland total health expenditure types United Kingdom utilisation voluntary