financing

融资
  • 文章类型: Journal Article
    政策要点行为健康专用税收政策被认为具有与增加灵活资金相关的积极影响,建议扩大这种融资方式的好处。与这些专用税有关的实施挑战包括税基波动,这阻碍了长期服务提供计划和税收收入分配的不平等。设计或修订专款税收政策的建议包括制定明确的指导方针和支持系统,以管理专款税收计划的行政方面,与系统和服务交付代理共同创建报告和监督结构,并选择跨年相对稳定的收入来源。
    背景:美国200多个城市和县实施了将税收用于行为健康服务的政策。这项混合方法研究的目的是描述对这些专用税收政策影响的看法,税收政策设计的优缺点,以及影响税收如何分配给服务的决策的因素。
    方法:研究数据来自274名参与行为健康专项税收政策实施的官员完成的调查,以及37名与这些税收的司法管辖区的官员的访谈(n=16),华盛顿(n=12),科罗拉多州(n=6),和爱荷华州(n=3)。访谈主要探讨了对专项税利弊的看法,对税收政策设计的看法,以及影响收益分配决策的因素。
    结果:总共83%的受访者强烈同意,有税收总比没有税收好,73.2%强烈同意税收增加了灵活性,以满足复杂的行为健康需求,65.1%强烈同意税收增加了以证据为基础的做法服务的人数。只有43.3%,然而,强烈同意满足纳税申报要求很容易。访谈显示,税收为服务和实施支持提供了资金,例如提供循证实践的培训,和补充的主流资金来源(例如,医疗补助)。然而,一些受访者还报告了与资金波动有关的挑战,税收分配不公平,and,在某些情况下,行政负担繁重的税务报告。关于税收分配的决定受到诸如减少行为医疗保健不平等等目标的影响,响应社区需求,解决主流资金来源的限制,and,在较小程度上,被认为是基于证据的支持服务。
    结论:专用税收是一种有前途的融资策略,可以改善获得,和质量,通过补充主流州和联邦资金来提供行为健康服务。
    Policy Points Earmarked tax policies for behavioral health are perceived as having positive impacts related to increasing flexible funding, suggesting benefits to expand this financing approach. Implementation challenges related to these earmarked taxes included tax base volatility that impedes long-term service delivery planning and inequities in the distribution of tax revenue. Recommendations for designing or revising earmarked tax policies include developing clear guidelines and support systems to manage the administrative aspects of earmarked tax programs, cocreating reporting and oversight structures with system and service delivery agents, and selecting revenue streams that are relatively stable across years.
    BACKGROUND: Over 200 cities and counties in the United States have implemented policies earmarking tax revenue for behavioral health services. This mixed-methods study was conducted with the aim of characterizing perceptions of the impacts of these earmarked tax policies, strengths and weaknesses of tax policy designs, and factors that influence decision making about how tax revenue is allocated for services.
    METHODS: Study data came from surveys completed by 274 officials involved in behavioral health earmarked tax policy implementation and 37 interviews with officials in a sample of jurisdictions with these taxes-California (n = 16), Washington (n = 12), Colorado (n = 6), and Iowa (n = 3). Interviews primarily explored perceptions of the advantages and drawbacks of the earmarked tax, perceptions of tax policy design, and factors influencing decisions about revenue allocation.
    RESULTS: A total of 83% of respondents strongly agreed that it was better to have the tax than not, 73.2% strongly agreed that the tax increased flexibility to address complex behavioral health needs, and 65.1% strongly agreed that the tax increased the number of people served by evidence-based practices. Only 43.3%, however, strongly agreed that it was easy to satisfy tax-reporting requirements. Interviews revealed that the taxes enabled funding for services and implementation supports, such as training in the delivery of evidence-based practices, and supplemented mainstream funding sources (e.g., Medicaid). However, some interviewees also reported challenges related to volatility of funding, inequities in the distribution of tax revenue, and, in some cases, administratively burdensome tax reporting. Decisions about tax revenue allocation were influenced by goals such as reducing behavioral health care inequities, being responsive to community needs, addressing constraints of mainstream funding sources, and, to a lesser degree, supporting services considered to be evidence based.
    CONCLUSIONS: Earmarked taxes are a promising financing strategy to improve access to, and quality of, behavioral health services by supplementing mainstream state and federal financing.
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  • 文章类型: Journal Article
    背景:治理,卫生筹资,和服务提供是卫生系统提供强大和可持续慢性病护理的关键要素。我们利用国际肾病学会全球肾脏健康地图集(ISN-GKHA)的第三次迭代来评估全球肾脏护理的监督和融资。
    方法:2022年7月至9月,对ISN附属国家的利益相关者进行了一项调查。我们评估了用于报销药物的资金模型,慢性肾脏病管理服务,并提供肾脏替代治疗(KRT)。我们还评估了肾脏护理的监管结构。
    结果:总体而言,在所联系的192个国家和地区中,有167个国家和地区对调查做出了回应,占全球人口的97.4%。与低收入国家(LIC)和中低收入国家(LMIC)相比,高收入国家倾向于使用公共资金来偿还所有类别的肾脏护理费用。在可以为KRT提供公共资金的国家,78%的人提供了全民健康覆盖。使用公共资金全额偿还非透析慢性肾病护理的国家比例各不相同(27%)。急性肾损伤透析(血液透析或腹膜透析)(44%),慢性血液透析(45%),慢性腹膜透析(42%),和肾移植药物(36%)。63%的国家在国家一级对肾脏护理进行了监督,在28%的国家/省一级。
    结论:这项研究表明,在全民医疗覆盖方面存在显著差距,在肾脏护理的监督和融资结构中,特别是在LIC和LMIC中。
    BACKGROUND: Governance, health financing, and service delivery are critical elements of health systems for provision of robust and sustainable chronic disease care. We leveraged the third iteration of the International Society of Nephrology Global Kidney Health Atlas (ISN-GKHA) to evaluate oversight and financing for kidney care worldwide.
    METHODS: A survey was administered to stakeholders from countries affiliated with the ISN from July to September 2022. We evaluated funding models utilized for reimbursement of medications, services for the management of chronic kidney disease, and provision of kidney replacement therapy (KRT). We also assessed oversight structures for the delivery of kidney care.
    RESULTS: Overall, 167 of the 192 countries and territories contacted responded to the survey, representing 97.4% of the global population. High-income countries tended to use public funding to reimburse all categories of kidney care in comparison with low-income countries (LICs) and lower-middle income countries (LMICs). In countries where public funding for KRT was available, 78% provided universal health coverage. The proportion of countries that used public funding to fully reimburse care varied for non-dialysis chronic kidney disease (27%), dialysis for acute kidney injury (either hemodialysis or peritoneal dialysis) (44%), chronic hemodialysis (45%), chronic peritoneal dialysis (42%), and kidney transplant medications (36%). Oversight for kidney care was provided at a national level in 63% of countries, and at a state/provincial level in 28% of countries.
    CONCLUSIONS: This study demonstrated significant gaps in universal care coverage, and in oversight and financing structures for kidney care, particularly in in LICs and LMICs.
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  • 文章类型: Journal Article
    背景:除非非洲卫生系统获得足够的资金来提高应对突发公共卫生事件的能力,否则实现全球卫生安全目标和全民健康覆盖仍将是一个幻影。COVID-19大流行暴露了全球在获得医疗对策方面的不平等,让非洲国家远远落后。当我们预测下一次大流行时,改善对卫生系统的投资,以充分资助大流行预防,准备,及时响应(PPPR),确保公平和获得医疗对策,至关重要。在这篇文章中,我们分析了非洲和全球大流行融资计划,并提出了供决策者和全球卫生界考虑的方法.
    方法:本文基于对非洲和全球各种PPPR融资机制的快速文献综述和案头综述。对该领域的领导人和专家进行了磋商,并对各种相关的会议报告和决定进行了审查。
    方法:非洲联盟(AU)展示了各种创新的融资机制,以减轻非洲大陆突发公共卫生事件的影响。为了提高平等获得COVID-19的医疗对策,非盟启动了非洲医疗用品平台(AMSP)和非洲疫苗收购信托基金(AVAT)。这些融资举措有助于减轻COVID-19的影响,随着我们为PPPR做出努力,它们的经验教训可以被利用。COVID-19应对基金,随后转化为非洲流行病基金(AEF),是另一种创新的融资机制,以确保可持续和自力更生的PPPR努力。为PPPR融资的全球举措包括大流行紧急融资机制(PEF)和大流行基金。PEF因其在建立有弹性的卫生系统方面的不足而受到批评,主要是因为该基金忽视了预防和准备项目。大流行基金也因强调大流行的应对方面和非包容性治理结构而受到批评。
    结论:为了确保PPPR的最佳融资,我们呼吁全球卫生界和决策者集中精力协调PPPR的融资努力,使区域融资机制成为全球PPPR融资努力的核心,并确保国际金融治理体系的包容性。
    BACKGROUND: The attainment of global health security goals and universal health coverage will remain a mirage unless African health systems are adequately funded to improve resilience to public health emergencies. The COVID-19 pandemic exposed the global inequity in accessing medical countermeasures, leaving African countries far behind. As we anticipate the next pandemic, improving investments in health systems to adequately finance pandemic prevention, preparedness, and response (PPPR) promptly, ensuring equity and access to medical countermeasures, is crucial. In this article, we analyze the African and global pandemic financing initiatives and put ways forward for policymakers and the global health community to consider.
    METHODS: This article is based on a rapid literature review and desk review of various PPPR financing mechanisms in Africa and globally. Consultation of leaders and experts in the area and scrutinization of various related meeting reports and decisions have been carried out.
    METHODS: The African Union (AU) has demonstrated various innovative financing mechanisms to mitigate the impacts of public health emergencies in the continent. To improve equal access to the COVID-19 medical countermeasures, the AU launched Africa Medical Supplies Platform (AMSP) and Africa Vaccine Acquisition Trust (AVAT). These financing initiatives were instrumental in mitigating the impacts of COVID-19 and their lessons can be capitalized as we make efforts for PPPR. The COVID-19 Response Fund, subsequently converted into the African Epidemics Fund (AEF), is another innovative financing mechanism to ensure sustainable and self-reliant PPPR efforts. The global initiatives for financing PPPR include the Pandemic Emergency Financing Facility (PEF) and the Pandemic Fund. The PEF was criticized for its inadequacy in building resilient health systems, primarily because the fund ignored the prevention and preparedness items. The Pandemic Fund is also being criticized for its suboptimal emphasis on the response aspect of the pandemic and non-inclusive governance structure.
    CONCLUSIONS: To ensure optimal financing for PPPR, we call upon the global health community and decision-makers to focus on the harmonization of financing efforts for PPPR, make regional financing mechanisms central to global PPPR financing efforts, and ensure the inclusivity of international finance governance systems.
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  • 文章类型: Journal Article
    最高法院关于Mandanas-Garcia请愿书关于向地方政府部门分配内部收入的裁决是加强分权治理概念和提供服务的重要裁决。虽然该裁决给予地方政府更大的资源和财政支持,直接的含义是《地方政府法》中定义的服务的全部下放,包括卫生服务。迫切需要关注的是,曼达纳斯-加西亚裁决将对当地卫生系统产生多大影响。通过审查有关文件和出版物,本文介绍了一些现有的和可预见的问题,围绕着实施与当前下放的医疗保健系统有关的Mandanas-Garcia裁决。特别是,在实施与卫生权力下放有关的裁决方面面临挑战,当地卫生系统进程,并讨论了《全民医疗保健法》。还提出了一些解决这些问题的具体行动点,供决策者和执行者考虑,以确保不仅顺利和有效地执行裁决,而且确保对菲律宾人的护理的连续性。
    The Supreme Court decision on the Mandanas-Garcia petition regarding the internal revenue allotment given to local government units is a significant ruling in strengthening the concept of decentralized governance and in the delivery of services. While the ruling grants local government greater resources and financial support, the immediate implication is the full devolution of services defined in the Local Government Code, including health services. The urgent concern is how much the Mandanas-Garcia Ruling will affect local health systems. Through a review of related documents and publications, this paper presents some existing and foreseeable issues surrounding the implementation of the Mandanas-Garcia Ruling in relation to the current devolved healthcare system. In particular, challenges in implementing the ruling in relation to health devolution, the local health system process, and the Universal Health Care Act are discussed. Some concrete action points for addressing these issues are also posited for policy-makers and implementors to consider in order to ensure not just the smooth and efficient implementation of the ruling but also the continuity of care for Filipinos.
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  • 文章类型: Journal Article
    目前,世界卫生大会制定的2025年全球营养目标正在偏离轨道。减少儿童发育迟缓的患病率,低出生体重,妇女贫血和增加母乳喂养是所有国家优先考虑的全球营养目标之一。各国政府和发展伙伴需要基于证据的数据,以了解政策决定和投资的真正成本和后果。然而,在健康方面存在证据差距,人力资本,以及大多数国家不采取行动预防营养不良的经济成本。无所作为的成本工具,和扩大非母乳喂养工具的成本,提供特定国家的数据,以帮助弥补差距。营养不良每年导致130万例可预防的儿童和孕产妇死亡。在儿童中,发育迟缓导致每年最大的经济负担,达5480亿美元(占国民总收入的0.7%),其次是5070亿美元用于次优母乳喂养(全球GNI为0.6%),3440亿美元(占国民总收入的0.3%)用于低出生体重和1610亿美元(占国民总收入的0.2%)用于儿童贫血。WRA的贫血在全球造成的当期收入损失为1,130亿美元(占GNI的0.1%)。考虑到发育迟缓的重叠,次最佳母乳喂养,低出生体重,该分析估计,可预防的营养不足每年给世界造成的累计损失至少为7610亿美元,或每天$2.1B。区域和国家一级估计数的差异反映了营养不足的背景驱动因素。在实现新的世界卫生大会目标和2030年可持续发展目标之前,这些工具产生的数据为倡导者提供了强有力的信息,政府,和发展伙伴为高影响力低成本营养干预措施的政策决定和投资提供信息。在营养不良问题上无所作为的代价仍然很大,需要就全球营养目标采取认真的协调行动,以从营养投资中产生重大的积极人力资本和经济利益。
    At present, the world is off-track to meet the World Health Assembly global nutrition targets for 2025. Reducing the prevalence of stunting and low birthweight (LBW) in children, and anaemia in women, and increasing breastfeeding rates are among the prioritized global nutrition targets for all countries. Governments and development partners need evidence-based data to understand the true costs and consequences of policy decisions and investments. Yet there is an evidence gap on the health, human capital, and economic costs of inaction on preventing undernutrition for most countries. The Cost of Inaction tool and expanded Cost of Not Breastfeeding tool provide country-specific data to help address the gaps. Every year undernutrition leads to 1.3 million cases of preventable child and maternal deaths globally. In children, stunting results in the largest economic burden yearly at US$548 billion (0.7% of global gross national income [GNI]), followed by US$507 billion for suboptimal breastfeeding (0.6% of GNI), US$344 billion (0.3% of GNI) for LBW and US$161 billion (0.2% of GNI) for anaemia in children. Anaemia in women of reproductive age (WRA) costs US$113 billion (0.1% of GNI) globally in current income losses. Accounting for overlap in stunting, suboptimal breastfeeding and LBW, the analysis estimates that preventable undernutrition cumulatively costs the world at least US$761 billion per year, or US$2.1 billion per day. The variation in the regional and country-level estimates reflects the contextual drivers of undernutrition. In the lead-up to the renewed World Health Assembly targets and Sustainable Development Goals for 2030, the data generated from these tools are powerful information for advocates, governments and development partners to inform policy decisions and investments into high-impact low-cost nutrition interventions. The costs of inaction on undernutrition continue to be substantial, and serious coordinated action on the global nutrition targets is needed to yield the significant positive human capital and economic benefits from investing in nutrition.
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  • 文章类型: Journal Article
    1978年《阿拉木图宣言》为卫生系统提出了建议,这严重影响了低收入国家。这些指导方针标志着人们获得健康方面的改善,覆盖面和财务公平性,尤其是在拉丁美洲国家。
    本文着重于私营部门(包括营利性和非营利性组织)在实现全民健康覆盖(UHC)中的作用。它检查了他们在管理中的参与,服务交付,在可持续发展目标(SDGs)范围内对初级卫生保健(PHC)进行资源投资和融资。
    该研究涵盖了对卫生系统的审查,强调私人机构对公共卫生的影响,并评估私营部门的经验如何对系统功能和实现UHC的进展做出贡献。
    研究结果表明,私营部门在全球卫生系统中的关键作用,特别是在几个国家扩大。私人行为者对于改善获取和覆盖面至关重要,特别是在健康指标较低的国家。本文强调了初级保健医生理解这些动态的重要性,因为他们的管理对于实施UHC的公共政策至关重要。
    The 1978 Alma Ata Declaration established recommendations for health systems, which significantly impacted low-income countries. These guidelines marked improvements in access to health, coverage and financial equity, especially in Latin American countries.
    UNASSIGNED: This paper focuses on the role of the private sector (including for-profit and non-profit organizations) in achieving Universal Health Coverage (UHC). It examines their involvement in the management, service delivery, resource investment and financing of primary health care (PHC) within the sustainable development goals (SDGs).
    UNASSIGNED: The study covers a review of health systems, emphasizing the influence of private institutions on public health, and evaluates how private sector experiences contribute to system functions and progress towards UHC.
    UNASSIGNED: The findings indicate the crucial role of the private sector in global health systems, notably expanded in several countries. Private actors are essential to improve access and coverage, particularly in countries with low health indicators. The article highlights the importance of primary care physicians understanding these dynamics since their management is vital in implementing public policies for UHC.
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  • 文章类型: Journal Article
    The German healthcare system is outdated, no longer reflects reality and needs to be reformed. In addition to a lack of ideas, there is a lack of courage and will to implement necessary reforms. Where will current developments lead us? When it comes to financing the healthcare system, immense challenges await political decision-makers. Demographic change is already posing major problems for healthcare today. Parallel to the increase in the number of patients, the time that physicians have available for their patients has been decreasing for years. Ultimately, social change and the increase in part-time employment mean that there is significantly less money available. Patient dissatisfaction is increasing as expectations are not being met. While hospitals receive financial support, the outpatient sector has been left empty-handed for years. As financial investors are forcing their way into outpatient care, the focus must be prevented from being purely on maximizing profits. Thus, a reorganization of the healthcare system is necessary.
    UNASSIGNED: Das deutsche Gesundheitssystem ist überholt, nicht mehr der Realität entsprechend und reformbedürftig. Man ist ideenlos und der Mut und Wille zu notwendigen Reformen fehlt. Wohin soll uns die aktuelle Entwicklung führen? Bei der Finanzierung des Gesundheitssystems warten immense Herausforderungen auf die politischen Entscheidungsträger. Der demografische Wandel stellt die Gesundheitsversorgung schon heute vor große Probleme. Parallel zum Anstieg der Patientinnen und Patienten sinkt seit Jahren die Zeit, die Ärztinnen und Ärzte für ihre Patienten zur Verfügung steht. Letztlich steht durch den gesellschaftlichen Wandel und dem Anstieg der Teilzeitbeschäftigung deutlich weniger Geld zur Verfügung. Die Unzufriedenheit der Patientinnen und Patienten nimmt zu, da Erwartungen nicht erfüllt werden. Während Krankenhäuser finanzielle Unterstützung erhalten, geht der ambulante Sektor gefühlt seit Jahren leer aus. Da Finanzinvestoren in die ambulante Versorgung drängen, muss verhindert werden, dass eine reine Gewinnmaximierung im Vordergrund steht. Eine Neuausrichtung des Gesundheitssystems ist notwendig.
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  • 文章类型: Journal Article
    该研究评估了八种融资来源(内部资金、银行贷款,信贷额度,贸易信贷,股本,赠款,租赁和保理)对创新和企业增长的影响。它提供的证据表明,并非所有外部融资来源都对创新和增长具有相同的影响。股权融资对营业额增长的额外产出似乎更高。相比之下,就业增长似乎更多地与与固定资产增加或解决流动性问题相关的融资来源有关。一起使用的融资工具的数量似乎也很重要,揭示了互补性的存在。
    The study assesses the impact of eight sources of financing (internal funds, bank loans, credit lines, trade credit, equity, grants, leasing and factoring) on innovation and firm growth. It provides evidence that not all external financing sources have the same impact on innovation and growth. Output additionality on turnover growth seems higher for equity financing. In contrast, employment growth appears to be more associated with financing sources linked to increased fixed assets or the solving of liquidity problems. The number of financing instruments used together also seems to matter, revealing the existence of complementarities.
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  • 文章类型: Journal Article
    背景:与髋关节骨关节炎相关的卫生服务利用给社会和卫生保健系统带来了巨大的负担。我们的目的是根据全国数据分析匈牙利髋关节骨关节炎的流行病学和健康保险疾病负担。
    方法:数据来自匈牙利国家健康保险基金管理局(NHIFA)2018年的全国金融数据库。分析的数据包括年度患者人数,患病率,门诊护理中每10万人的年龄标准化患病率,为所有类型的护理按年龄组和性别计算的健康保险费用。使用国际疾病分类(ICD)的代码M16鉴定髋骨关节炎患者,第十次修订。使用欧洲标准人群2013(ESP2013)计算年龄标准化患病率。
    结果:根据门诊护理的患者人数,男性中每10万人的患病率为1,483.7例(1.5%),女性中2,905.5(2.9%),共有2,226.2例患者(2.2%)。每100,000人口中,男性的年龄标准化患病率为1,734.8(1.7%),女性为2,594.8(2.6%),总计2,237.6(2.2%)。所有年龄组的妇女每100,000人的患病率更高。在30-39岁、40-49岁、50-59岁、60-69岁和70岁以上年龄组中,总患病率为0.2%,0.8%,2.7%,5.0%和7.7%,分别,描述了一种持续增长的趋势。2018年,NHIFA花费了4231万欧元用于治疗髋关节骨关节炎。髋关节骨性关节炎占全国医疗保险总支出的1%。36.8%的费用归因于男性患者的治疗,女性患者占63.2%。急性住院护理,门诊护理和慢性和康复住院护理是主要的成本驱动因素,占62.7%,男性医疗总支出的14.6%和8.2%,51.0%,女性为20.0%和11.2%,分别。每位患者的平均年治疗费用为男性3,627欧元,女性4,194欧元。
    结论:与男性相比,女性髋关节骨性关节炎的患病率高1.96倍(年龄标准化患病率高1.5倍)。急性住院护理是治疗髋关节骨关节炎的主要成本驱动因素。女性患者的平均年治疗费用比男性高15.6%。
    BACKGROUND: Health services utilization related to hip osteoarthritis imposes a significant burden on society and health care systems. Our aim was to analyse the epidemiological and health insurance disease burden of hip osteoarthritis in Hungary based on nationwide data.
    METHODS: Data were extracted from the nationwide financial database of the National Health Insurance Fund Administration (NHIFA) of Hungary for the year 2018. The analysed data included annual patient numbers, prevalence, and age-standardized prevalence per 100,000 population in outpatient care, health insurance costs calculated for age groups and sexes for all types of care. Patients with hip osteoarthritis were identified using code M16 of the International Classification of Diseases (ICD), 10th revision. Age-standardised prevalence rates were calculated using the European Standard Population 2013 (ESP2013).
    RESULTS: Based on patient numbers of outpatient care, the prevalence per 100,000 among males was 1,483.7 patients (1.5%), among females 2,905.5 (2.9%), in total 2,226.2 patients (2.2%). The age-standardised prevalence was 1,734.8 (1.7%) for males and 2,594.8 (2.6%) for females per 100,000 population, for a total of 2,237.6 (2.2%). The prevalence per 100,000 population was higher for women in all age groups. In age group 30-39, 40-49, 50-59, 60-69 and 70 + the overall prevalence was 0.2%, 0.8%, 2.7%, 5.0% and 7.7%, respectively, describing a continuously increasing trend. In 2018, the NHIFA spent 42.31 million EUR on the treatment of hip osteoarthritis. Hip osteoarthritis accounts for 1% of total nationwide health insurance expenditures. 36.8% of costs were attributed to the treatment of male patients, and 63.2% to female patients. Acute inpatient care, outpatient care and chronic and rehabilitation inpatient care were the main cost drivers, accounting for 62.7%, 14.6% and 8.2% of the total health care expenditure for men, and 51.0%, 20.0% and 11.2% for women, respectively. The average annual treatment cost per patient was 3,627 EUR for men and 4,194 EUR for women.
    CONCLUSIONS: The prevalence of hip osteoarthritis was 1.96 times higher (the age-standardised prevalence was 1.5 times higher) in women compared to men. Acute inpatient care was the major cost driver in the treatment of hip osteoarthritis. The average annual treatment cost per patient was 15.6% higher for women compared to men.
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  • 文章类型: Journal Article
    尽管基因治疗有可能改变罕见遗传病患者的生活,人们对这种治疗的高额前期费用的融资以及美国雇主赞助的保险制度的能力提出了严重关切,特别是在小公司,为这种类型的发现买单。在本文中,我们提供了一个概念框架和经验证据来支持这一命题,目前,具有成本效益的基因疗法的私人团体保险融资不仅在雇主的劳动力市场上是可行和竞争必要的,无论组大小如何,而且,目前,在小企业中,美国工人的数量可能会受到高价索赔的压力,这只占基因治疗群体市场的一小部分。目前由雇主支付的自我保险体系辅以止损保险,应该能够促进使用新的具有成本效益的基因疗法。可能不迫切需要提出的其他替代筹资方法。有,然而,一些人担心,如果止损保费继续保持高增长,该系统的长期弹性。
    Despite the potential of gene therapy to transform the lives of patients with rare genetic diseases, serious concern has been raised about the financing of the high up-front costs for such treatments and about the ability of the employer-sponsored insurance system in the United States, particularly in small firms, to pay for discoveries of this type. In this paper, we provide a conceptual framework and empirical evidence to support the proposition that, at present, private group insurance financing of cost-effective gene therapies is not only feasible and competitively necessary in the labor market for employers, regardless of group size, but also that, currently, the number of US workers in small firms who might be stressed by very high-priced claims is a tiny fraction of the group market for genetic treatments. The current system of employer-paid self-insurance supplemented by stop-loss coverage should be able to facilitate the use of new cost-effective gene therapies. Other alternative methods of financing that have been proposed may not be urgently needed. There are, however, some concerns about the long-term resilience of this system if stop-loss premiums continue to have high growth.
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