Collective medical care institutions in Uruguay: Impact of the regulation

: Collective medical care institutions have been in existence for more than a century and have provided medical care to more than half of Uruguayans through a modality that integrates insurance and provision of services. In the last decade, these institutions have presented a persistent deficit: 52% of the beneficiaries are members of institutions with a deficit of more than 4%. We analyze the impact of the regulation of certain aspects related to the behavior of supply (market concentration and quotas, risk selection, price fixing) and demand (adverse selection and the effect of the co-payments in services utilization). The regulation seems not to have promoted the necessary incentives to efficiency and quality by the IAMC, one of the key aspects to be approached in the context of sectorial reform.