慕尼黑再保险健康险系列培训课件3 美国健康保险市场 US Health Insurance Market final.ppt

U.S. Health Insurance Market;美国健康保险市场;US Health System – General Information;美国医疗卫生体系的整体情况;Public/ Social Security;公立/ 社会保障;Total expenditure on health, Million US$;美国历年的医疗卫生支出 (单位: 百万美元);Total expenditure on health, %GDP;美国历年医疗卫生支出占GDP的百分比;US Health System – Advantages;美国的医疗卫生体系 – 优势;Leaves the elderly, unemployed and the poor uncovered (tend to need more health care) Government has to finance these groups Federal Medicare coverage is available for the elderly and states funded Medicaid to cover the poor. Approximately 45 million (15%) uninsured individuals in the USA ;远离更需要获得保障的弱势群体（老人，失业者及贫困的没有保险保障的人） 政府必须负担这些人群 联邦的Medicare是针对老年人，各州集资的 Medicaid覆盖的是穷人 美国约有四千五百万人（15%）没有医疗保险;Source: OECD data;Source: OECD data;Out-of pocket payments, Per capita US$ PPP;美国历年人均的个人自付（单位：美元）;* Includes programmes such as worker’s compensation, public health activities, Department of Defense, Department of Veterans Affairs, Indian health services, and state and local hospital and school health ** Includes Industrial inplant, privately funded constructions, and non-patient revenues including philanthropy Source: Health Care Administration, Office of Actuary, National Statistic Group, 1999;* 包括工人赔偿，公共健康活动，防卫部门，老兵事务部门，印地安人健康服务，州立及地方的医院及学校医疗的一系列方案 ** 包括产业注入，私人集资的建设以及来自慈善事业的非患者收入 Source: Health Care Administration, Office of Actuary, National Statistic Group, 1999;Health Costs Breakdown 1998 - Where it went;1998年美国医疗卫生成本分析 – 资金使用流向;Key Participants in the Health Care System;美国医疗卫生体系的主要参与者;1997;1997;Consumer empowerment;消费者授权;Shifting health care benefit responsibilities;转换医疗卫生的受益责任