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2023
- handle: 10670/1.utf196
- hal: hal-04220439
- doi: 10.1177/09589287231176776
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info:eu-repo/semantics/altIdentifier/doi/10.1177/09589287231176776
info:eu-repo/semantics/OpenAccess
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healthcare European Union financial regulation insurance financialization I - Health, Education, and Welfare/I.I1 - Health/I.I1.I18 - Government Policy • Regulation • Public HealthSujets proches
Health care delivery Health services Personal health services Medical services Medical and health care industry Delivery of medical care Health care Healthcare Delivery of health careCiter ce document
Cyril Benoît, « The regulatory path to healthcare systems’ financialization », HAL-SHS : économie et finance, ID : 10.1177/09589287231176776
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Résumé
The literature has often presented European healthcare systems as being less exposed to the growing dependencies on global finance observed in other areas of social policy. This article explores the sources and dynamics of a regulatory path to healthcare systems’ financialization that challenges this depiction. Building on analogies with the case of pension policy, we show that the integration of the private health insurance sector into the European Union financial regulation framework has resulted in perceptible processes of financialization. Notably this manifested in the growing role of financial firms, in non-profit health insurers’ adoption of ‘financialized’ business practices and eventually in a noticeable change of these actors' positioning in domestic healthcare reform. After having discussed the theoretical implications, the article provides an empirical illustration of this argument by documenting the implementation of the Solvency II insurance directive by health insurers in France, and describes its more general consequences and implications beyond this case study.