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Entrepreneurs pay premiums but use private health care.

MedExpress Team

Medexpress

Published April 26, 2024 09:00

Entrepreneurs pay premiums but use private health care. - Header image
- I once tried to see if we had private health insurance available on the market that would be able to provide 100 percent of the same benefits that the public health service gives us. It turned out that no, such a solution does not exist at the moment. My guess is that even if we came out with such a solution, at some point it would be the case that even so, the entities commercially providing the most expensive services would be very reluctant to do so, because we wouldn't be able to finance such a cost from individual premiums," says Szymon Ostrowski, an economic journalist, creator and head of the channel and blog "Business in Focus.

Piotr Wojcik: Since we all contribute to the health care system, both working people and entrepreneurs, the question is whether entrepreneurs equally benefit from the system?

Szymon Ostrowski: If we have entrepreneurs who are paying a lot more for public health care at the moment then it would seem that they would want to use it more readily. But if you look at all kinds of studies and statistics, it turns out that entrepreneurs are pushing themselves to private health care because they think they'll get an appointment there faster and easier. They largely can't wait. If we have a one-person entrepreneur, he won't go on sick leave because he has to work. He needs to get back on his feet very quickly, so he will want to look for a doctor who will remedy it as soon as possible.

Many entrepreneurs have private health insurance that is able to compensate to some extent. I once tried to see if we had private health insurance available on the market that would be able to provide 100 percent of the same benefits that the public health service gives us. It turned out that no, such a solution does not exist at the moment. I don't see what can be done in this case at the moment. My guess is that even if we came out with such a solution, at some point it would be the case that the commercial entities providing the most expensive services would still be very reluctant to do so, because we would not be able to finance such a cost from individual premiums.

Perhaps it would come to a model in which, in part, the patient would have to pay for such benefits for himself?

That wouldn't be a bad solution either. And here, for example, it could be combined at some point with private health insurance, where we have some small part of the premium that we all pay (regardless of ho...

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