СОЦИАЛЬНЫЕ ФИНАНСОВЫЕ ТЕХНОЛОГИИ РАЗВИТИЯ ЗДРАВООХРАНЕНИЯ НА ОСНОВЕ МЕДИЦИНСКИХ НАКОПИТЕЛЬНЫХ СЧЕТОВ

Abstract

The article details the transition, starting in 2023, from the existing financing system to medical savings accounts (MSA). It is shown that already in 2023, for all categories of citizens (employed, low-wage, non-working) income from the Ministry of Taxation exceeds standard (within the framework of compulsory health insurance) expenses. The surplus of funds for the Ministry of Taxes in the first year (2023) implementation amounted to 241,6 billion rubles, in the fifth year 4,9 trillion rubles, and in the twentieth 105,3 trillion rubles. These funds, placed by banks (Sberbank and VTB) in the form of loans, will provide the Russian economy with huge, long-term and cheap financial resources. It is shown that in about twenty years, citizens’ MSA will accumulate a non-reducible balance sufficient for 20 years of survival after retirement, and employers, instead of 5,1% of workers’ wages, will be able to deduct only 1% for co-financing of low-paid and unemployed citizens, which will significantly reduce production costs at all Russian enterprises. Since funds for the MSA can only be spent on medical care, the surplus of funds will provide the opportunity for Russian citizens to receive additional medical services, including high-tech ones, as well as receive medicines, and medical organizations will receive a huge additional source of funding.