Council of State: Cabinet Plan Reduction Own risk leads to a higher premium and loss of income

The Council of State has considerable criticism of the plan of the outgoing cabinet sheaf to reduce the deductible per 2027 from 385 euros to 165 euros per year. The Council advises the outgoing cabinet to better explain the financial consequences of the plan and advises not to submit the proposal to the House of Representatives in current form. That is in A Monday published advice About the plan of the recently resigned Minister Fleur Agema (Public Health, Welfare and Sport, PVV).

With the plan, the cabinet wanted to prevent people with a small grant from postponing or assigning necessary care. But due to the reduction of the deductible, people with a low income and disabled people with a benefit will deteriorate financially and therefore faster care from care, the advisory body writes.

This is partly because the plan is at the expense of the disability allowance, precisely intended as annual compensation for the deductible. According to calculations, the intended reduction also leads to an increase in the health insurance premium by around 200 euros per year per insured person. As a result, people who do not fully draw up their deductible will deteriorate.

The Council of State considers the chance that the reduction in the deductible will lead to a structural improvement in the affordability of care. After all, from 2030 the deductible will be indexed annually, so it is ‘plausible’ that the compulsory deductible will increase. Moreover, because healthcare costs increase due to the proposal, the indexation will be higher than if the plan does not take place.

According to the Council of State, it is also plausible that people will think less about the need for medical treatment, which increases healthcare costs and capacity problems.

Due to ‘Double Aging’-within the group of Dutch people over 65, the share of people over 80 is increasing-and, among other things, technological developments will increase healthcare costs in the coming decades. The Council of State expects healthcare expenditure to increase from 12.7 percent of GDP in 2015 to more than 20 percent in 2060. « In absolute sense, that means a triple of care expenditure per head of the population, » said the advisory body.

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