Private And Public Health Insurance - 1178 Words

Private health insurance covers 44% of the Australian population. The percentage is one of the highest among the OECD countries. PHI coverage first declined in 1984 after the introduction of Medicare, which offered free hospitalization in the public health facilities and subsidized medical care. The decline continued until 1990 where it hit lows of 30% of the population down from 50% in 1984. The decline was attributed to the rise in the confidence of the universal coverage system ad increase in PHI premiums. However, the trend was reversed in 1996 after a series of initiatives by the policy makers. Consequently, the percentage of coverage rose from 30% in 1999 to 45% in 2001 (Cromwell, 2002, p, 73). The graph below shows the increase in the number of private insured persons since 1995. The growth in private insurance costs in Australia can be attributed to three main policies implemented by the government to enticed, as well ascompel individuals to join private and public health insurance incentive schemes (Sassi, Belloni Capobianco, 2013. P. 15). The first factor relates to the introduction of lifetime health cover policy in 2000. The cover involved financial loading on the private health insurance hospital cover.The aimwas to motivate people to take up private insurance earlier in life and maintain their coverage. Thus, the persons that take up insurance covers before the age of thirty pay lower premiums compared to those that joins the insurance cover at a later ageShow MoreRelatedHealth Care Delivery System Us Public Health System977 Words   |  4 PagesTitle US Health Care Delivery System US Public Health System Mission Achieving universal access, delivering services that are cost-effective, and meeting pre-established standards of quality. 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