Medyczne konta oszczędnościowe jako metoda finansowania świadczeń zdrowotnych. Dotychczasowe rezultaty ich funkcjonowania w świecie i perspektywa dla Europy

Irmina Jurkiewicz-Świętek

Abstrakt
Medical Saving Account as health care financing method – implementation results in the world and perspective for Europe
 
Many countries around the world are concerned by growth in health care spending. Yet it is an unavoidable process resulting from new medical technologies, ageing populations and high expectations of patients. Therefore, the actual goal of any new solution in health care system, is slowing down the process of health care expenditures growth. One of the relatively new solution are medical savings accounts (MSAs; or health savings accounts, HSAs). The aim of this article is to present MSAs as health care financing method, its structure and implementation results in chosen countries. A short deliberation on MSAs’ place in Europe is presented.
Słowa kluczowe: Chiny, Europa, medyczne konta oszczędnościowe, Republika Południowej Afryki, Singapur, Stany Zjednoczone, zdrowotne konta oszczędnościowe
References

Dixon A., Are medical savings accounts viable option for funding health care?, „Croatian Medical Journal” 2002; 43 (4): 408–416.

Hanvoravongchai P., Medical Savings Accounts: lessons learned from limited international experience, WHO Discussion paper Number 3, World Health Organization, Geneva 2002.

Kiszka K., Sowada C., Singapurski model medycznych kont oszczędnościowych. Ocena możliwości przeniesienia na grunt polskiego systemu ochrony zdrowia, „Zeszyty Naukowe Ochrony Zdrowia. Zdrowie Publiczne Zarządzanie” 2007; V(1–2): 95–105.

Mossialos E., Dixon A., Figueras J., Kutzin J., Funding health care: options for Europe, Open University Press, WHO 2002.

Folland S., Goodman A.C., Stano M., Ekonomia zdrowia opieki zdrowotnej, Wolters Kluwer, Warszawa 2011.

Hsiao W.C., Behind the ideology and theory: what is the empirical evidence for medical savings accounts?, „Journal of Health Politics, Policy and Law” 2001; 26(4): 733–737.

Maynard A., Dixon A., Private health insurance and medical savings accounts: theory and experience, w: Mossialos E., Dixon A., Figueras J, Kutzin J., Funding health care: options for Europe, European Observatory on Health Systems Series, Open University Press, Buckingham 2002.

Hsiao W.C., Medical savings accounts: lessons from Singapore, „Health Affairs”, Peer review, 1995.

Asher M., Ramesh M., Maresoo A., Medical savings accounts in Singapore, „Euro Observer” 2008; 10(4): 9–11.

McKee M., Busse R., Medical savings accounts: Singapore’s non-solution to healthcare costs, „British Medical Journal” 2013; 347: f4749.

Barr M.D., Medical savings accounts in Singapore: critical inquiry, „Journal of Health Politics, Policy and Law” 2001; 26(4): 709–726.

Chan W., Taiwan’s health care report 2010, „European Martime Pilots’ Association Journal” 2010; 1(4): 563–585.

Von Eiff W., Massaro T., Voo Y.O., Ziegenbein R., Medical savings accounts: core feature of Singapore’s health care system, „The European Journal of Health Economics” 2002; 3: 188–195.

Shreyogg J., Demographic development and moral hazard: health insurance with medical savings accounts, 2004, http://www.mig.tu-berlin.de; dostęp: 20.08.2013.

Haseltine W.A., Affordable excellence: the Singapore healthcare story, Brokings Institution Press, Waszyngton 2013.

Yip W., Hsiao W., Medical savings accounts: lessons from China, „Health Affairs” 1997; 16(6): 244–251.

Yi Y., Maynard A., Medical savings accounts in China, „Euro Observer” 2008; 10(4): 12–14.

Kong X., Yang Y., Gong F., Zhao M., Problems and the potential direction of reforms for the current individual medical savings accounts in the Chinese health care system, „Journal of Medicine and Philosophy” 2012; 37: 556–567.

Thomson S., Mossialos E., Medical savings accounts: can they improve health system performance in Europe?, „Euro Observer” 2008; 10(4): 1–4.

Borda M., Zastosowanie medycznych kont oszczędnościowych finansowaniu ochrony zdrowia, „Wiadomości Ubezpieczeniowe” 2010; 2: 151–164.

Chollet D., Why the Pauly/Goodman Proposal won’t work, „Health Affairs”, Peer review, 1995.

Remler D.K., Glied S., How much more cost sharing will health savings accounts bring?, „Health Affairs” 2006; 25(4): 1070–1078.

Glied S., Remler D., The effect of health savings accounts on health insurance coverage, Task Force on the Future of Health Insurance, The Commonwealth Fund, Issue Brief 2005.

Glied S., Health savings accounts in the United States, „Euro Observer” 2008; 10(4): 5–6.

Shortt S., Medical savings accounts in publicly funded health care systems: enthusiasm versus evidence, „Canadian Medical Associacion Journal” 2002; 167(2):159–162.

Lo Sasso A., Shah M., Frogner B., Health savings accounts and health care spending, „Health Services Research” 2010; 45(4): 1041–1060.

Hsu J., World Medical savings accounts: what is at risk?, Background Paper nr 17, Health Organization, World Health Report 2010.

McLeod H., McIntyre D., Medical savings accounts in South Africa, „Euro Observer” 2008; 10(4): 7–8.

Dong W., Can health care financing policy be emulated? The Singaporean medical savings accounts model and its Shanghai replica, „Journal of Public Health” 2006; 28(3): 209–214.

Thomson S., Foubister T., Mossialos E., Financing health are in the European Union. Challenges and policy responses, „European Observatory on Health Systems and Policies” 2009.

Fan R., Chen X., Cao Y., Family-oriented health savings accounts: facing the challenges of health care allocation, „Journal of Medicine and Philosophy” 2012; 37(6): 507–512.

Cherry M.J., Building social and economic capital: the family and medical savings accounts, „Journal of Medicine and Philosophy” 2012; 37(6): 526–544.