Health Care Financing: Looking Towards Kurdistan s Future
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1 Health Care Financing: Looking Towards Kurdistan s Future Presentation for International Congress on Reform and Development of Health Care in Kurdistan Region C. Ross Anthony, Ph.D. 2-4 February 2011 Erbil
2 Outline 1. Introduction Background KRG Financing System 2. Financing Policy Questions the KRG Must Address as it Faces the Future 3. Planning for the Future 2
3 Personnel Clinics / Health Centers Financing Public Health Health Information Network Laboratories Primary Care A Good Financing System Is Key to Achieving All Health Care Goals Doctors Offices Hospitals Pharmacies 32 What Is Health Care Financing? WHO defined health financing as: The function of a health system that is concerned with mobilization, accumulation, and allocation of money to cover the health needs of the people, individually and collectively. WHO further states The purpose of health financing is to make funding available, as well as to set the right financial incentives to providers, to ensure that all individuals have access to effective public health and personal health.
4 Basic Financing Questions Will Guide Discussion: for Whom, for What, Who Pays, How Much, How For Whom 1. Eligibility Services Covered 2. Services Covered (Benefits) Source of Funds Pooling of Funds 3. Who Pays 4. Type of Plan (Pooling) Resource Allocation 5. Payment 4
5 Present KRG Health Care Financing System Is Primarily a Public Budget System For Whom For Whom (Eligibility) : All KRG citizens covered by the public system Services Covered Source of Funds Pooling Funds Resource Allocation Services Covered (Benefits) Wide range of curative, preventive, and public health provided in public facilities (hospitals and primary healthcare clinics) Care limited by budgets, some modern equipment, and skilled trained manpower Some services provided by private hospitals and by physicians in private practice Source of Funds public budgets (KRG, governorates, & Bagdad) Out-of-pocket for private care 5
6 KRG Health Care Financing System: Continued For Whom Services Covered Source of Funds Pooling Funds Resource Allocation Pooling Government budgets Private physician and hospital services are paid for by individuals with little insurance ( ie no pooling) Methods limited by administrative expertise and data availability Payment Public budgets pay for public services In theory both the public and private sectors are regulated by the government. Co pays are very low. Care abroad payments by the KRG and political parties is large and growing Costs are rising q Few incentives for efficiency, quality, or cost control. 6
7 KRG Health Financing Data (in Millions of Iraqi Dinars) FY2010 Tentative Budget Operational Budget 531,424 Investment Budget 98,288 Total 629,712 Health Care % 5.2% of KRG Budget Employment 39,500 PHC Co-payments Ticket 250 dinars Pharmacy Ticket 500 dinars
8 Per-Capita Health Expenditures (US$ PPP) Rich Countries Spend Exponential More on Health Care than do Less Developed Countries $7,000 $6,000 USA $5,000 $4,000 $3,000 KRG $2,000 $1,000 $0 $0 $10,000 $20,000 $30,000 $40,000 $50,000 Per-Capita Gross National Income (PPP)
9 Economically Developed Countries Have A Greater Capacity to Implement Advanced Financing Systems Better more reliable data and IT systems More sophisticated tax collection systems Better Administration and trained personnel Higher income populations and fewer poor Functioning private insurance companies Shift from infectious to chronic diseases Increased concern for quality and cost control
10 Spending a Lot on Health Care Does Not Guarantee Good Outcomes Source: WHO
11 All Common Health Financing Models Have Pros and Cons Public Budget Social Health Insurance National Health Service Private Health Insurance Main revenue type: taxes, oil, AID Pooling: By govt. Purchasing: By govt. - collective and selective contracts Main revenue type: Payroll tax, govt. budget Pooling: Pools by job or income Purchasing: Collective and selective contracts Main revenue type: General taxes Pooling: National pool Purchasing: National or regional direct purchase of services it provides Main revenue type: Indiv. & employer payments Pooling: Privately managed ins. pools Purchasing: Selective contracts 11
12 Health Financing Systems Around the World Public Budget Social Health Insurance National Health Service Private Health Insurance KRG Iraq Ghana Nepal Qatar France Germany Japan Turkey UAE Canada New Zealand Australia Italy UK USA Greece Singapore Holland 12
13 Financing Systems Are Very Complex and Need to Be Designed with Care (Money Flows) Source of Funds -oil/baghdad -Firms -Individuals Pooling $ $ -Social Insurance -Private Insurance -Govt. (eg MOH) payment Covered Services -Hospital care -Physician care -primary care premiums Eligible Households 13
14 Outline 1. Introduction Introduction KRG Financing System 2. Financing Policy Questions the KRG Must Address 3. Planning for the Future 14
15 Key Policy Questions KRG Must Answer For Whom Will non-krg non-iraqi citizens receive KRG health care benefits and if so for how much? How will the KRG administer and verify eligibility? (e.g. Issue insurance ID cards or what)? Services Covered Which services will be covered and not covered? What process will the KRG use to decide this.. How will the list be updated for new technologies. Care abroad: how will treatment for services not available in the KRG be financed. 15
16 Key Policy Questions (2) Source of Funds What share of national income will go to health? Who will bear the burden of providing resources, i.e. the government (KRG or governorate), individual, and/or companies? What will the size of co-payments and deductibles be and will they vary by type of service? How will the poor be treated? How much will non-krg residents pay for treatment? 16
17 Pooling of Funds Key Policy Questions (3) Will the KRG continue to utilize the national budget to pool resources or move towards some form of insurance? If the KRG pursues an insurance system will it be public or private, and will it be voluntary or compulsory? How will the KRG and Bagdad rationalize and coordinate systems? Resource Allocation What mechanism(s) will be set up to pay for services and staff? Will there be incentives for quality and efficiency? What will the payment rates for services be? Will a prospective or retrospective payment system? Should payment be linked to performance or level of effort for providers, hospitals, PHCs etc? 17
18 If KRG Decides on an Insurance System: What Will the Role of Private Insurance be? Basic Type Public Insurance 1 Private Insurance 2 3 Supplemental Private Insurance Allow Replacement Private Insurance 18
19 Outline 1. Introduction Introduction KRG Financing System 2. Financing Policy Questions the KRG Must Address 3. Planning for the Future 19
20 Next Steps Step 1: Analyze Current System and Feasible Options Step 2: Establish a Vision for the Future Convene political, medical, and public leaders to establish a vision for the future Share vision with the public to help establish reasonable expectations Step 3: Planning: Develop A Detailed Research and Strategic Financing Plan Define critical questions that must be answered and lay out a research plan. Collect the data necessary to manage, evaluate, and regulate the system Analyze and establish mechanisms to provide incentives for cost control, quality, & efficiency. Develop strategic financing plan.
21 Next Steps Continued Step 4: Implement Plan Lay out prerequisites needed to implement vision, e.g. tax collection system, IT infrastructure, Private insurance system Ability to set prices and pay for performance etc Sequence changes to achieve objectives Decide on and establish a nation wide medical information system. Design systems to promote health, good outcomes, efficiency, equity, and to account for increased needs in facilities, manpower, and resources. Establish a health policy leadership academy
22 Summary & Conclusions Deciding on and establishing financing systems is very complex and demanding. Present resources are not sufficient to fund projected health care needs in the next 20 years. To make good policy decisions, the KRG needs to begin a systematic review of all policy options and choices, including: What data is required to manage any system What can be done now to improve efficiency, control costs, What incentives should be embedded in the system and insure coverage for all in the KRG The KRG needs to develop a strategic health care financing plan and research agenda to fulfill it Financing system will be key to health of the medical care system as well as the health of the people and development of Kurdistan. 22
23 BACKUP SLIDES 23
24 BACKUP SLIDES 24
25 Country Comparisons Indicator Egypt France Holland Iran Saudi Arabia Turkey UAE U.K. Per-capita income $5,463 $34,400 $41,666 $7,190 $22,493 $13,767 $53,212 $36,128 Infant mortality rate Life expectancy at birth Obesity (% of adults) n/a n/a n/a n/a Health spending p.c. $297 $3,554 $3,383 $350 $607 $645 $673 $2,784 Health spending %GDP % spending public 41% 80% 80% 48% 77% 73% 70% 87% Doctors / 10,000 pop Population (millions) Smoking (% of pop. 15+) n/a
26 United Kingdom UK is an example of a national health care system that allows supplemental private insurance. Access is universal 26
27 United Kingdom Source of Funds Pooling of Funds Purchasing Use of Funds General taxation Household payments NHS at regional level Limited private insurance Hospital Trusts Primary Care Trusts GP Fundholding Hospital Care Primary Care Groups 27
28 Holland Holland has a universal health insurance coverage, primarily offered through private insurance Insurance is regulated by the government in terms of premiums and benefits packages 28
29 Holland Source of Funds Pooling of Funds Purchasing Use of Funds General taxation Payroll taxes Risk Equalization Fund Private Insurance Hospital Care Primary Care Household payments Private Health Insurance 29
30 France France has universal health insurance coverage, offered through social security, complemented by specific programs for the poor and special groups. A generous benefits package and few copayments. 30
31 France Source of Funds Pooling of Funds Purchasing Use of Funds Payroll taxes General taxation Household payments Social Security Private Insurance Social Security Private Insurance Hospital Care Primary Care 31
32 Services Covered Benefits Package Usually Covers Medically Necessary Services Often covered Services Inpatient care Prescription drugs Outpatient generalist & specialist care Diagnostics Maternity Mental health & substance abuse Routine dental Eye exams Hearing exams Therapies Preventive services Services Often Not Covered Medically unnecessary services Experimental treatments Cosmetic plastic surgery Overseas care 32
33 Focus now On Basic Financing Plan Functions Sources of Of Funds Pooling Purchasing Services 33
34 Possible Sources Funding to Raise Sufficient Resources, Efficiently and Equitably Individuals Government Patient payment/user fees KRG Budget Allocation Insurance Payments Governorate Budget Allocation Taxes Baghdad Budget Allocation Companies Insurance Premiums Insurance Payments Taxes Insurance Card Fees AID 34
35 Policy Issues Source of Funds: Key Policy Questions What share of national income will go to health? Who will bear the burden of providing resources, i.e. the government (KRG or governorate), individual, and/or companies? What will the size of co-payments and deductibles be and will they vary by type of service? How will the poor be treated? How much will non-krg residents pay for treatment? 35
36 ooling To Spread Risk Efficiently & Equitably Usually Through Insurance Mechanism Is Pooling of Funds Source of Funds Public Ins Private Ins Natl Health System Purchasing Use of Funds Public budget 36
37 Pooling of Funds: Key Policy Questions Key Policy Questions: Will the KRG continue to utilize the national budget to pool resources or move towards some form of insurance? If the KRG pursues an insurance system will it be public or private, and will it be voluntary or compulsory? How will the KRG and Bagdad rationalize and coordinate systems? Will a public system be national or governorate specific (i.e.. like Canada s provincial system). 37
38 Health Care Financing Characteristics of Low-Income Countries ($0-$750) Government revenues and budgets are limited by a narrow tax base. Tax system and government administration systems often not very efficient User fees are often informal, non-transparent, minor share of revenues. Health insurance limited. Data is limited or not available External assistance may be a significant source for investment KRG Characteristic
39 Health Care Financing Characteristics of Middle-Income Countries ($746-$9,205) Expansion of financing mechanisms. Expanded ability to manage complex systems Data sources for managing and pricing more complex financing systems becomes available Growth of (multiple) social security schemes. Expansion of government revenue base. Rise in private household spending and growth of private health insurance. Urbanization and expansion of formal employment sector. KRG Characteristic
40 Health Care Financing Characteristics of High-Income Countries ($9,206+ per capita) Universal coverage achieved in most countries. Containing costs and improving efficiency are major concerns. Protecting quality and patient satisfaction important. Very sophisticated IT and management systems exist and are key to system functioning. Individual incomes are high enabling health care expenditures to raise rapidly Aging population expands long-term care insurance.
41 Funds are Used to Purchase Health Related Services including Primary Care and Public Health Use of Funds Source of Funds Pooling of Funds Purchasing MD s Hosp care Primary care Public health 41
42 Purchasing: Some Key Policy Questions 1. What mechanism(s) will be set up to process and pay for services to control costs? 2. What will the payment rates for services be? 3. Will a prospective or retrospective payment system be used to encourage efficiency? 4. How will staff be paid. Will there be incentive payments? If so, how should the be structured to achieve public policy objectives. 5. Should pay be dependent on the amount of time worked or services provided. 6. Should pay be linked to performance for providers, hospitals, PHCs etc. 42
43 If KRG Decides on an Insurance System: What Will the Role of Private Insurance be? Basic Type Public Insurance 1 Private Insurance 2 3 Supplemental Private Insurance Allow Replacement Private Insurance 43
44 A number of basic questions have to be answered before a financing system can be designed Source of Funds 1. Who Pays Pooling of Funds 2. Type of Plan (Pooling) Resource Allocation 3. Payment Services Covered 4. Services Covered (Benefits) For Whom 5. Access 44
45 (1) Why Not Mandatory Private Insurance? KRG is probably too small a market to make this work well There is presently no history with private insurance which would require a good deal of time to overcome Delegates some control over policies needed to private insurers Multiple private insurers significantly increase cost and administrative complexity and regulatory oversight Private insurance markets do not generally provide financing for low-income people 45
46 (2) Role of Private Insurance: Allow Private Insurance to Supplement and/or Duplicate Public Insurance Public insurance is mandatory Allows private insurance for services not covered under public insurance, e.g., overseas care and/or cost sharing Lets employers offer enhanced insurance as benefit to attract professionals Expands patient choice with little regulatory oversight Increases costs for employers who provide duplicate coverage (e.g., employer-operated primary clinics) May increase health care spending 46
47 (3) Role of Private Insurance: Allow individuals or employers to opt out of social insurance and purchase private insurance Health insurance is mandatory but may be provided through either public insurance or private insurance Requires substantial regulatory oversight to assure private insurance benefits cover comparable services Facilitates the expansion of the private health care sector Reduces costs for employers wanting to offer employees expanded choice since they would not have to pay public insurance premiums or include the poor in their pools Likely to lead to a two-tier health care system where those who can afford private insurance obtain higher-quality care 47
48 Generally As Countries Develop Individuals Pay Less and Governments Pay More Low-Income Countries Private Out of Pocket Middle-Income Countries Private Out of Pocket High-Income Countries Private Out of Pocket Private Pooled Private Pooled Private Pooled Government Government Government Source: World Bank
49 Next Steps Step 1: Establish a Vision for the Future Convene political, medical, and public leaders to establish a vision for the future Share vision with the public to help establish reasonable expectations Step 2: Planning: Develop Detailed Research and Implementation Plans Define critical questions that must be answered Determine and begin to collect the data necessary to manage, evaluate, and regulate the system Analyze and establish mechanisms in the system to provide incentives for cost control and quality from the beginning. Establish research capacity to help analyze and answer policy questions for the future Lay out feasible options at this time.
50 Step 3: Implement Plan Next Steps Continued Lay out prerequisites needed to implement vision tax collection system, IT infrastructure, Private insurance system Ability to set prices and pay for performance Manpower and training etc. Sequence changes to achieve objective while making real immediate change Decide on and establish a nation wide medical information system. Design systems to promote health, good outcomes, efficiency, equity, and to account for increased needs in facilities, manpower, and resources. Establish a health policy leadership academy
51 RAND Corporation in collaboration with KRG Ministry of Planning and Ministry of Health
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National Guardian Life Insurance Company: Saint Anselm College Student Health Insurance Plan Coverage Period: 08/01/ /01/2017
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.
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Coverage Period: 1/1/ /31/2016. Western Health Advantage: WHA Silver 70 HSA HMO 2000/20% w/child Dental. Coverage For: Self Only Plan Type: HMO
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.westernhealth.com or by calling 1-888-563-2250. Important
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This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.tcsig.com or by calling Delta Health Systems at 1-800-464-7627.
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Schedule of Benefits Plumbers Union Local 12 PPO A Prime Solutions PPO Plan health plan meets Minimum Creditable Coverage standards and will satisfy the individual mandate that you have health insurance.
Coverage for: Single Enrollee Plan Type: TRAD/PPO. Important Questions Answers Why This Matters: $2,500/single Network $5,000/single Non-Network
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Western Health Advantage: WHA Bronze 60 HMO 6000/70 w/child Dental. Coverage Period: 1/1/ /31/2016
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.westernhealth.com or by calling 1-888-563-2250. Important
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This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.westernhealth.com or by calling 1-888-563-2250. Important
My HPN Silver 3-73 $20/40/70/250
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This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.chpstudent.com or by calling 1-800-633-7867. Important
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Important Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.crystalrunhp.com or by calling 1-844-638-6506. Important
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This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.anthem.com/ca or by calling 1-855-333-5730. Important
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This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.
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You can see the specialist you choose without permission from this plan.
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.crystalrunhealthinsurancecompany.com or by calling 1-844-638-6506.
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Important Questions Answers Why this Matters:
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