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Health insurance system financing reforms in the Netherlands, Germany and France: Repercussions for coverage and redistribution?


  • The author is also associated with CAPPS (Centre d'Analyse des Politiques Publiques de Santé, EHESP), Rennes, France.

Pascale Turquet, Maître de Conférences de Sciences Economiques-HDR, Université Rennes 2, 6 Avenue Gaston Berger, 35043 Rennes, France; Email:


For a number of years, the Dutch, German and French health insurance systems have been attempting to contain costs and diversify their sources of finance, which traditionally have come mainly from social contributions. Diversification may involve broader-based public finance, as well as greater recourse to private resources and operators. In the case of the Netherlands and Germany, the reforms go hand in hand with efforts to introduce competition between health insurance bodies. In France, private complementary insurance has become indispensable for adequate access to health care. However, these measures have repercussions for redistribution, which social assistance programmes have difficulty in addressing.