This paper describes how Ireland created a level playing field for competition in health insurance, the strategies of a major insurer to introduce risk-fated policies that would segment the market, the successful campaign to block these policies, and the policy implications of tbe European Union requirement of competition in health insurance.
Policy documents. interviews, and press reports were analyzed.
The minister of health forced the commercial insurer to withdraw its policies and replace them with community-rated policies.
Because it is easier and more profitable for insurers to engage in risk selection than to become more efficient, beneficial competition in health insurance markets is extremely difficult to create.
Carefully drawn rules and monitoring are required to overcome inherent causes of market failure.
The current enthusiasm for saving money through competitive schemes in health insurance seems likely to produce higher costs and greater inequality.
Mots-clés Pascal : Irlande, Europe, Assurance maladie, Protection sociale, Compétitivité, Aspect économique, Directive européenne, Politique sociale
Mots-clés Pascal anglais : Ireland, Europe, Health insurance, Welfare aids, Competitivity, Economic aspect, European directive, Social policy
Notice produite par :
Inist-CNRS - Institut de l'Information Scientifique et Technique
Cote : 98-0248950
Code Inist : 002B30A01B. Création : 11/09/1998.