Private outlets for public limitations: the rise of commercial health insurance in Israel

Article Abstract:

Private health insurance providers in Israel have proliferated since the mid 1980s due to consumer unhappiness with strikes, rising out-of-pocket expenses and other problems affecting the public health care system. Twenty commercial health policies and four mandatory supplemental polices linked to sick funds are being offered to meet demand even though the public system covers 95% of Israelis. These developments show that changes in the balance between public and private financing of health care are inevitable and that all governments, including Israel's, must adjust the mix to attain their health care goals.

Israel, Supply and demand, International aspects, Social policy, Health insurance, Health insurance industry

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Financing long-term care: a practical mix of public and private

Article Abstract:

Improving access to long-term care through a combination of public and private sector approaches is the most promising avenue of reform for Congress to pursue. Nursing home care will become too expensive for increasing numbers of elderly people if Congress does not act to make it more affordable. The combined approach would include social insurance to help middle- and upper-income people and expanded Medicaid benefits for lower-income people. Improved public education and tax law reforms to stimulate savings for long-term care costs are also essential.

Laws, regulations and rules, Medicaid, Long-term care of the sick

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Response to Wiener et al

Article Abstract:

Relying on the private sector to improve the elderly's ability to pay for long-term health care is neither inadequate as a reform nor based on faulty statistical analysis as Joshua M. Wiener, Raymond J. Hanley and Laurel Hixon Illston argued. These writers' endorsement of publicly financed social insurance reflects their prejudice for the public sector. Actually, a program aimed at increasing access to private insurance would most likely focus on those older people now having the greatest difficulty paying for long-term care.

Aged, Elderly

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