Uncovering the complex role of private health insurance in Ireland

The role of private health insurance in the Irish health system can be assessed from different angles and from all angles it appears complex. Despite unversal entitlement to public hospital services, private cover – predominantly for hospital services – is purchased by nearly half of the population. This high level of demand has remained buoyant over time in the face of premium increases, adverse economic conditions, reductions in public subsidies and controversy within the market. Also, while private health insurance accounts for less than 15% of total spending on health, it commands a high profile in media and policy discussions and has substantial leverage over how public and private resources are allocated within the health system, particularly in the acute care sector.