The idea may make some noise. Two economists advocate, in an article published by the Journal of the INSEE "Economics and Statistics", which care expenses are reimbursed according to the income of policyholder allocation1. A suggestion that reminds one of the proposals of Nicolas Sarkozy in 2007 to reform Social Security. Defended by Bertrand Fragonard, President of the High Council of the family, this device did not finally emerged.
Six years later, so two researchers revive the subject. "Until then, each contributor within its means and receiving according to their needs, says Gregory Lagasnerie, co-author of the article. The goal is not to reduce the deficit of Social Security, but to reintroduce the principle of solidarity in the reimbursement system of care that previous governments have removed. " In short, it would apply to the Health Insurance the same philosophy of the upcoming reform of the government on familiales2 allowances, namely reducing those paid to the richest households. "The amounts to be borne 10% of the poorest French 8% of revenue and 0.6% of those 10% of the French richest," says the researcher.
To reduce these inequalities and economists suggest to reform the co-payment, ie the remaining load of patients, and apply according to the income of the insured and not independently of their resources, as now share. This proposal does not apply to hospital care, much more expensive. It takes into account the care city, namely consultations among physicians, who represent 53% of health spending French in 2011, EUR 96 billion.
The two economists suggest to set an annual ceiling as it already exists in Sweden, Switzerland or the Netherlands. More income of the insured, the higher this amount is large and vice versa. The study takes the example of a patient whose care spending is 1200 euros per year and would face a co-payment of 30%. "He would pay 360 euros per year, say two researchers. With a ceiling of 300 euros, health insurance would cover 60 euros. " The proposed system, that is more just, more could have the advantage of being less dependent on public funding …