Health Insurance Funds that Manage Money Without Saving it

There is no need for the health insurance fund to collect health contributions and then to pay for the activities carried out with that money. It is better if the National health insurance fund collects the money and keeps it and the health fund only manages it without actually passing the money through it. This eliminates the risk of bankruptcy of the fund and the need to create a guarantee fund. So changing the fund will be very easy, because no real money will be moved, but only the subject that manages it will change.