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      Universal mandatory health insurance in the Netherlands: a model for the United States?

      Health affairs (Project Hope)
      Health Services Accessibility, economics, History, 20th Century, Insurance, Health, legislation & jurisprudence, Managed Care Programs, organization & administration, Mandatory Programs, Netherlands, Universal Coverage, history

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          Abstract

          Policy analysts consider the Netherlands health system a possible model for the United States. Since 2006 all Dutch citizens have to buy standardized individual health insurance coverage from a private insurer. Consumers have an annual choice among insurers, and insurers can selectively contract or integrate with health care providers. Subsidies make health insurance affordable for everyone. A Risk Equalization Fund compensates insurers for enrollees with predictably high medical expenses. The reform is a work in progress. So far the emphasis has been on the health insurance market. The challenge is now to successfully reform the market for the provision of health care.

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