Individuals in the Netherlands are required to purchase a basic insurance package from a healthcare insurer of their choice and have the option of purchasing supplementary insurance for additional healthcare not included in the basic insurance package, either from that same insurer or a different one.
Insurers compete on the premium of the insurance package and the service they are offering [ 10].
Central to the new healthcare system is the concept of managed competition, which combines competition between health insurers and providers of health care with regulation such as the obligation for insurers to accept all applicants for the basic insurance package.
Nevertheless, patients, DPH and companies proposing CDM programs estimated that it would be difficult to motivate health insurers to reimburse components of CDM programs since they are not integrated in the basic health insurance package.
The law also requires insurers to provide more comprehensive insurance packages, including mental-health and maternity care, which some packages previously omitted.
Insurers like UnitedHealthcare have created insurance packages known as "skinny plans" that give employers the ability to peddle strikingly shoddy health insurance to their workers.
Under Obamacare, insurers offer four varieties of basic insurance packages, bronze, silver, gold, and platinum, with different deductibles and different levels of coverage.
In 2013 the new glargine and aspart insulin were added to the insurers benefit package, albeit with a higher copayment rate due to a reference pricing approach, which may result in better access to these medicines in future.
I mean, many insurers offer package discounts if you carry both policies with them.
Health insurers may try to attract favorable risk groups and discourage unfavorable risk groups to apply for supplementary health insurance packages.
