DIAGNOSIS OF THE SOCIO-ECONOMIC POTENTIAL OF HEALTH INSURANCE IN UKRAINE
Abstract
The purpose of the article is to develop scientifically based suggestions for the development of the health insurance system in Ukraine by improving existing and developing theoretical, methodological and organizational principles. The peculiarities of the development of a discriminative model for diagnosing the socio-economic potential of medical insurance and the development trends of the medical insurance system in Ukraine were studied. Methodology of research. To achieve the goals set in the article, general scientific and special research methods were used: Analysis and synthesis, economic-mathematical, systematization and generalization, statistical and regulatory methods for assessing the socio-economic potential of medical insurance in Ukraine from 2014 to 2021. Results. Taking into account the dynamics of the assessment of the socio-economic potential of medical insurance, it can be argued that medical insurance in Ukraine has sufficient internal potential for its development. However, despite the presence of the internal potential, the industry also has additional opportunities to strengthen it. Development of these opportunities should be the main focus of the socio-economic potential management system of medical insurance. The proposed approach to the development of a model for the diagnosis of socio-economic potential makes it possible to develop appropriate models in other branches of insurance in accordance with the specifics of the object of insurance protection. The practical significance of the research results. Block estimates of the financial potential of health insurance provide sufficiently complete information about the dynamics of individual indicators and areas of industry activity. Using a discriminant model, it is possible to compare the effectiveness of the health insurance resources usage over time, thereby influencing the existing socio-economic potential, changing each of its components. The necessity of assessment of the socio-economic potential of heals insurance to increase the efficiency of state financial management of the health care financing system and the regulation of the insurance market is demonstrated.
References
Сокирко О. С., Кобзар І. А., Ханалієва І. С. Розвиток медичного страхування: зарубіжний досвід та можливості його використання в Україні. Економіка і суспільство. 2018. № 19. С. 1139–1145. URL: http://economyandsociety.in.ua/journals/19_ukr/171.pdf
Демченко О. П. Прагматика фінансового забезпечення медичного страхування в Україні. Молодий вчений. 2016. № 10 (37). C. 363–368. UPL: http://molodyvcheny.in.ua/files/journal/2016/10/83.pdf
Статистика страхового рынка Украины. Інтернет-журнал «Про страхування». UPL: https://forinsurer.com/stat
Арцатбанова О. В. Порівняльний аналіз підходів до побудови економічних механізмів функціонування системи охорони здоров’я. Державне управління: удосконалення та розвиток. 2017. № 10. URL: http://www.dy.nayka.com.ua/?op=1&z=1399
An Evaluation of the Individual Health Insurance Market and Implications of Potential Changes. The American Academy of Actuaries. Individual and Small Group Markets Committee. 2017. URL: https://www.actuary.org/files/publications/Acad_eval_indiv_mkt_011817.pdf
Резнікова Н. В., Іваненко О. А., Войнович О. І. Моделі конкуренції на ринку послуг в сфері охорони здоров’я: проблема використання потенціалу медичної галузі та її регулювання в умовах глобалізації. Ефективна економіка. 2018. № 2. URL: http://www.economy.nayka.com.ua/pdf/1_2018/13.pdf
Nina Alexandersen, Anders Anell, Oddvar Kaarboe, Juhani S. Lehto, Liina-Kaisa Tynkkynen, Karsten Vrangbæk. The development of voluntary private health insurance in the Nordic countries. Nordic Journal of Health Economics. 2016. Vol. 4. No. 1. Pp. 68–83.
Lukasz Jasinski. Conditions for Development of the Private Health Insurance in Poland. Journal of US-China Public Administration. February 2015. Vol. 12. No. 2. Pр. 153–165.
Hamel, L., Firth, J., Levitt, L., Claxton, G. and M. Brodie. Survey of Non-Group Health Insurance Enrollees, Wave 3. 2016. Kaiser Family Foundation. URL: https://www.kff.org/health-reform/poll-finding/survey-of-non-group-health-insurance-enrollees-wave-3/
Sokyrko O. S., Kobzar I. A., Khanaliieva I. S. (2018) Rozvytok medychnoho strakhuvannia: zarubizhnyi dosvid ta mozhlyvosti yoho vykorystannia v Ukraini. Ekonomika i suspilstvo. № 19. S. 1139–1145. Available at: http://economyandsociety.in.ua/journals/19_ukr/171.pdf (in Ukrainian)
Demchenko O. P. (2016) Prahmatyka finansovoho zabezpechennia medychnoho strakhuvannia v Ukraini. Molodyi vchenyi. № 10 (37). S. 363–368. Available at: http://molodyvcheny.in.ua/files/journal/2016/10/83.pdf (in Ukrainian)
Statystyka strakhovoho rыnka Ukraynы. Internet-zhurnal «Pro strakhuvannia». Available at: https://forinsurer.com/stat (in Ukrainian)
Artsatbanova O. V. (2017) Porivnialnyi analiz pidkhodiv do pobudovy ekonomichnykh mekhanizmiv funktsionuvannia systemy okhorony zdorovia. Derzhavne upravlinnia: udoskonalennia ta rozvytok. № 10. Available at: http://www.dy.nayka.com.ua/?op=1&z=1399 (in Ukrainian).
An Evaluation of the Individual Health Insurance Market and Implications of Potential Changes. The American Academy of Actuaries. Individual and Small Group Markets Committee. 2017. Available at: https://www.actuary.org/files/publications/Acad_eval_indiv_mkt_011817.pdf
Reznikova N. V., Ivanenko O. A., Voinovych O. I. (2018) Modeli konkurentsii na rynku posluh v sferi okhorony zdorovia: problema vykorystannia potentsialu medychnoi haluzi ta yii rehuliuvannia v umovakh hlobalizatsii. Efektyvna ekonomika. № 2. Available at: http://www.economy.nayka.com.ua/pdf/1_2018/13.pdf (in Ukrainian)
Nina Alexandersen, Anders Anell, Oddvar Kaarboe, Juhani S. Lehto, Liina-Kaisa Tynkkynen, Karsten Vrangbæk. The development of voluntary private health insurance in the Nordic countries. Nordic Journal of Health Economics. Vol. 4. 2016. No. 1. Pp. 68–83.
Lukasz Jasinski. Conditions for Development of the Private Health Insurance in Poland. Journal of US-China Public Administration. February 2015. Vol. 12. No. 2. Pр. 153–165.
Hamel, L., Firth, J., Levitt, L., Claxton, G. and M. Brodie. Survey of Non-Group Health Insurance Enrollees, Wave 3. 2016. Kaiser Family Foundation. Available at: https://www.kff.org/health-reform/poll-finding/survey-of-non-group-health-insurance-enrollees-wave-3/
