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Medical Savings Accounts: Prospects for Compulsory Health Insurance

Author

Listed:
  • Vladimir S. Nazarov

    (Financial Research Institute, Moscow 127006, Russia)

  • Christopher Mark Davis

    (University of Oxford; Health Economics Laboratory, the Russian Presidential Academy of National Economy and Public Administration)

  • Natalya N. Sisigina

    (Financial Research Institute, Moscow 127006, Russia)

Abstract

In the latter half of the 20th century developed countries faced rising health expenditures mainly caused by moral hazard. One way of addressing moral hazard is to introduce new financing mechanisms based on cost sharing. The article presents one of the such mechanisms — medical savings accounts: key features, review of international practice (Singapore, China, USA), benefits and limitations, possible ways of integration medical savings accounts into Russian health financing system.

Suggested Citation

  • Vladimir S. Nazarov & Christopher Mark Davis & Natalya N. Sisigina, 2014. "Medical Savings Accounts: Prospects for Compulsory Health Insurance," Finansovyj žhurnal — Financial Journal, Financial Research Institute, Moscow 125375, Russia, issue 2, pages 47-66, June.
    • Handle: RePEc:fru:finjrn:140206:p:47-66
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    More about this item

    Keywords

    medical savings accounts; health insurance; health financing mechanisms; moral hazard; compulsory health insurance; cost sharing; copayments;
    All these keywords.

    JEL classification:

    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health

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