THE ECONOMIC EFFECT OF USING MEDICAL SAVINGS ACCOUNTS INSTEAD OF THE EXISTING HEALTH CARE FINANCING SYSTEM

DOI: 10.36871/ek.up.p.r.2021.02.01.003
UDC 331.104, 338.001.36, 338.012

Authors

E. V. SOKOLOV,
Doctor of Technical Sciences, Head of the Department of “Finance”, Bauman Moscow State Technical University, Moscow, Russia University named after N. E. Bauman, Moscow, Russia
E. V. KOSTYRIN,
Candidate of Economic Sciences, Associate Professor of Sub-faculty of Finance of Engineering Business and Management Faculty (EBM5), Bauman Moscow State Technical University, Moscow, Russia

Abstract

The article simulates the accumulation of financial resources on medical savings accounts (MSA) of working and non-working citizens of the Russian Federation for the period from 1994 to 2020 in the case of using in practice the system of compulsory medical insurance of citizens based on MSA instead of the existing system of financing domestic health care. Described and illustrated by calculations of all the elements of economic effect from the use of MSA.

Keywords

compulsory medical insurance, medical savings account, Federal compulsory medical insurance fund, territorial compulsory medical insurance fund, working citizen, economic effect, territorial budget.