Economic effect of managing the development of the domestic healthcare system on the basis of medical savings accounts

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: the accumulated funds of working citizens on MSA, the accumulated funds of non-workers on MSA, the economic effect through the out coming of working citizens of “shadow” and the economic effect by cost-cutting on seniors. The economic effect of using the MSA from 1994 to 2020, instead of the existing financing system, is estimated at 30.8 trillion rubles, while the main contribution (60.09% of the total amount) is accounted for by the out coming of working citizens from the “shadow”.