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March 30, 2010 Barack Obama signed his final approval to a law on the reform of health insurance in the United States. The draft regulation was developed over six months.Throughout this time around it were heated debates, which took an active part as the country's political elite and ordinary Americans. But it is already in the past, and now we can discuss the stages of reform. One is the creation of health insurance exchanges, the need for which no objection to even the most ardent opponents of the bill. What is the reason?
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To date, approximately 32 million Americans have no health insurance, the presence of which allows to obtain at least a minimum set of health services. At the same medicine in the country is so expensive that these people actually can not afford to pay medical treatment. Approximately the same things and the prices of medicines: the lack of government regulation on the pharmaceutical market operates free pricing. As a result, the cost of medication is on average 2 times higher than in neighboring Canada.
Thus, the president had a difficult task: to make the policies available to DMS for 32 million people in America, so that they could expect at least a minimum set of health care - emergency care, outpatient and inpatient treatment. To reach this objective, based solely on financial support from the state, almost impossible, especially given the large U.S. budget deficit. That's why one of the main goals of the developers of the project of reform was to reduce the costs of voluntary health insurance, which helps reduce the cost of policies. The result of finding ways to reduce the cost of LCA was the idea of establishing health insurance exchanges, which would allow customers to interact directly with American insurance companies.
As for the exchanges - a new phenomenon in the practice of the U.S. insurance - they are focused on individuals and small businesses who want to purchase health insurance for employees as an affordable price. As a newly established health insurance exchange will affect the cost of insurance? First of all, they provide a direct contact between insurers and clients, and therefore do not need to pay for the services of intermediaries - insurance brokers. In this case, coming to the stock exchange, an individual or company receives proposals from several insurance companies, among which you can select the optimum in terms of price, range of services and other criteria.
At the same time, with the exchange of medical insurance companies take on thousands of potential customers. First, the struggle for each of them makes insurers to offer more competitive insurance programs. Second, with the advent of new customers increases the company's turnover and hence the cost of each policy can be reduced. Finally, health insurance exchanges provide an opportunity to choose among dozens of insurance companies that operate in the state or federal level. This increases the chances of finding the LCA program, fully insured and meet the requirements to purchase insurance at a reasonable price.
Even without considering the state support of certain categories of citizens, insurance exchanges will provide opportunity to purchase health insurance for thousands of Americans. In turn, the small business share in the U.S. is high enough, can reduce the cost of insurance for employees. However, given that the proposed reform is at the initial stage of implementation, the practical results of the American insurance exchanges can be assessed only in the future.
And yet, long before the fateful decisions of Congress and approval of the law by President Obama, we were finishing work on a draft of the first Russian Medical Insurance Exchange. Originally it stood before the same tasks as before the landings, which are soon to be launched in the U.S.. But given that the Russian market for voluntary health insurance is less developed than the U.S., the exchange creates new possibilities for interaction between insurers and their customers - both individuals and businesses at different levels.
Another key objective of the Medical Insurance Exchange is a comprehensive assistance in choosing an insurance company and the specific program LCA. It includes a comprehensive information support - the publication of analytical, statistical and reference materials - as well as advice on all matters relating to the voluntary health insurance.
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