4TH INTERNATIONAL CONFERENCE - SOCIAL SECURITY SYSTEMS IN THE LIGHT OF
DEMOGRAPHIC, ECONOMIC AND TECHNOLOGICAL CHALLENGES
FINANCIAL SITUATION OF HOUSEHOLDS IN POLAND
IN THE CONTEXT OF DEVELOPMENT OF PRIVATE
HEALTH CARE FINANCING MECHANISMS
Marta Borda
Department of Insurance
Wroclaw University of Economics
Poland
Poznań, September 24-25, 2015
PLAN OF PRESENTATION
•
Introduction
•
General analysis of households’ financial situation in 2000-2013
•
Selected measures of households’ financial condition according to
basic socio-economic groups and quintile groups by available
income per capita
•
Conclusions
HEALTH CARE FINANCING IN POLAND – MAIN
CHARACTERISTICS
HEALTH CARE FINANCING IN POLAND – MAIN
CHARACTERISTICS
TABLE 1. HEALTH CARE FINANCING IN POLAND
– SELECTED RATIOS
Characteristic
Total health care expenditure as
% of GDP
Total health care expenditure per capita
(USD PPP)
Years
1995
2000
2005
2010
2013
5.5
5.5
6.2
7.0
6,4*
409.0
583.5
856.6
1394.9
1550.7
72.9
70.0
69.3
71.2
69.6
27.1
29.98
30.64
28.42
30.3
27.12
29.98
26.16
22.24
22.81
100
100
85.36
78.26
75.0
Public expenses as % of total health
care expenses
Private expenses as % of total health
care expenses
Household out-of-pocket expenses
as % of total health care expenses
Household out-of-pocket expenses
as % of private health care expenses
Source: WHO Health for All Database, *OECD Health Data.
Figure 3. The dynamics of real available income
and expenditure per capita in households in Poland, 2000‐2013
Source: author’s own calculations based on data from Central Statistical Office of Poland.
Statistical interdependences between average monthly health expenditure
and average monthly available income
per capita in households in Poland, 2000‐2013
Figure 4. The relationship between average monthly health expenditure
and average monthly available income
per capita in households in Poland, 2000‐2013
Source: author’s own calculations based on data from Central Statistical Office of Poland.
Figure 5. The share of total expenditure, health expenditure
and current savings in available income in households, 2000‐2013 (in %)
Source: author’s own calculations based on data from Central Statistical Office of Poland.
Figure 6. Health expenditure incurred by the Polish
households, 2000‐2013
Source: author’s own calculations based on data from Central Statistical Office of Poland.
Figure 7. Average monthly household health expenditure
per capita by socio-eonomic groups, 2006‐2013
Source: author’s own calculations based on data from Central Statistical Office of Poland.
Figure 9. Average monthly household health expenditure
per capita by quintile groups, 2006‐2013
Source: author’s own calculations based on data from Central Statistical Office of Poland.
CONCLUSIONS
• In the analyzed period, with the increase in income the households
increased their health expenditure. The rise of health expenditure
resulted mainly from increasing purchase of medicines and other
pharmaceutical products and the use of outpatient care services.
• The lowest level of spending on health was observed in the case of
farmers, and households with the lowest incomes. The most
burdened with health expenditure in relation to their financial
possibilities were retirees and pensioners. The development of
private health insurance would result in limiting the further growth of
direct health expenditure of households, which in contrast to the
regular insurance premium are often a burden on a household
budget.
CONCLUSIONS
• The interest in private health insurance depends on the financial
situation of households. The most favorable financial situation,
allowing to increase health spending and savings accumulation was
observed in the case of self-employed workers, as well as the
reachest households. With regard to households of farmers,
retirees, pensioners and the poorest 20% of households seems
rather unlikely that these households, due to the relatively
unfavorable and often precarious financial situation, were interested
in new solutions in private health care financing.
• The results of the correlation analysis confirms that with the increase
(decrease) in income households increase (decrease) value of
health spending and have a larger (smaller) amount of surplus funds
that can be spent on savings. It is not possible to distinguished types
of households for which the analyzed relationship was the strongest
or the weakest.
Thank you for your attention 
Contact:
marta.borda@ue.wroc.pl