Investigating Healthcare Insurance Models and their Implications for Health Policy Design
Keywords:
Healthcare Insurance Models, Health Policy Design, Public Insurance, Private Insurance, Hybrid Systems, Risk Pooling, Adverse Selection, Equity in Healthcare, Behavioral Economics, Global Health Systems.Abstract
Healthcare insurance models are determining in shaping health outcomes, economic efficiency, and equity in access to medical care. This study investigates healthcare insurance models from both theoretical and empirical perspectives, examining their implications for health policy design. This research analyzes the efficiency, equity, and sustainability of insurance frameworks by classifying them into public, private, and hybrid systems based on a comprehensive body of literature. The comparative efficacy of these models across various health systems around the world is the main focus of empirical research, with case studies showcasing both achievements and shortcomings. Additionally, the paper explores the role of behavioral economics, risk pooling, and adverse selection in shaping these models. Policy recommendations emphasize integrating theoretical insights with empirical data to achieve balanced reforms that address systemic inefficiencies and health inequities. The findings underscore the necessity of tailoring health insurance policies to local economic and sociopolitical contexts to ensure optimal health outcomes.
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