United Kingdom
Percent of GDP spent on health care: 8.3
Average family premium: 0
Co-pay: 0 for most services, very little for somethings like prescriptions, eyeglasses, and dental. Young people and old people pay nothing at all.
What is it?
-Government provides and pays for healthcare.
How does it work?
-People pay taxes for health care and everybody benefits from it whether you need it or not.
-GP must see patient first.
-focus on preventive care
Concerns?
-Long waits and limited choice
-must go where you are supposed to, although, they are working to allow the patients to choose their doctor.
Japan
Percent of GDP spent on health care: 8
Average family premium: $280 a month. Employers pay half.
Co-pay: 30% of the cost of the procedure, but its limited based on your income.
What is it?
-Everybody must have health insurance.
-workers get it through work
-everybody else must pay for it privately unless they can't afford it
-Hospitals and doctors are in the private sector.
How does it work?
- Citizens can go to any specialist they want for free
- Negotiate prices every two years to keep price down.
Concerns?
-Spend too little on health care
-hospitals are in debt because they don't have patients that visit them regularly
Germany
Percent of GDP spent on health care: 10.7
Average family premium: $750 per month. Pegged to patients income
Co-pay: $15 every three months
What is it?
-Buy their insurance from one of over 200 non profit "sickness funds"
-Poor receive public assistance
How does it work?
-Sickness funds bargain with doctors as a group.
-may go straight to specialist, but may have to pay higher co-pay.
Concerns?
-German doctors make less than U.S. doctors
- Richest 10% can pay for other insurance that costs more but allows quicker doctor visits.
Taiwan
Percent of GDP spent on health care: 6.3
Average family premium: $650 a year for a family of four.
Co-pay: 20 percent of the cost of drugs, up to $6.50; up to $7 for outpatient care; $1.80 for dental and traditional Chinese medicine. There are exemptions for major diseases, childbirth, preventive services, and for the poor, veterans, and children.
What is it?
-all citizens must have health insurance
-comes from one government source.
-working people pay rates split with employers
-others pay flat rate
How does it work?
-every citizen has smart card that bills insurer.
-can see any doctor without prior recommendation
Concerns?
-not enough money to pay for all the expenses.
-people pay less for medical care, so theres not enough money to keep the buildings running.
Switzerland
Percentage of GDP spent on health care: 11.6
Average family premium: $750 paid entirely by consumers. Poor get a break
Co-pay: 10% of the cost of services, up to $420 a year
What is it?
-All citizens must have coverage
-low income receive breaks
How does it work?
- Not allowed to make a profit on basic plan
- can't cherry pick young and healthy clients
-negotiations lead to set prices that can't be raised above agreed amount
Concerns?
-Swiss system is second most expensive in the world
-swiss don't have gate keepers, but require discounts to be given to people who use them.
The system I like the best is a combination of several of the above systems. I do not feel like any one country deals with health insurance perfectly. If i had to choose one of the preexisting countries systems, I would probably choose Taiwan due to their excellent health care system. Citizens receive great health care at a low cost and don't have to pick and chose between health insurance providers.