THE SHORT ISAPRES LAW AND EXCLUSION OF MUTUAL FINANCING

Abstract

This research addresses how the ISAPRES Short Law makes possible to comply with November 2022 Supreme Court´s rulings which compel ISAPRES to apply the Health Authority´s "Single Table of Factors" and to reimburse affiliates excess charges derived from using their own tables of risk factors, and compares it against a different mechanism to afford financial costs associated to high risk factors: the mutualization. The research delves into the viability and implications of mutualization as an alternative to finance health benefits and contributes to public debate and decision-making processes regarding potential long-term or structural reforms to the private health system and equitable access to health benefits and financing ideas based upon the principle of solidarity.