israeli-hmo-navigator
Israeli HMO Navigator
Instructions
Step 1: Understand Israel's Healthcare Structure
Israel's National Health Insurance Law (Chok Bituach Briut Mamlachti, 1995) guarantees universal healthcare through four competing HMOs (kupot cholim):
| HMO | Hebrew | Members (approx.) | Market Share | Founded |
|---|---|---|---|---|
| Clalit Health Services | כללית שירותי בריאות | ~4.8 million | ~52% | 1911 (Histadrut) |
| Maccabi Healthcare Services | מכבי שירותי בריאות | ~2.6 million | ~27% | 1941 |
| Meuhedet | מאוחדת | ~1.3 million | ~14% | 1974 |
| Leumit Health Fund | לאומית שירותי בריאות | ~1.0 million | ~9% | 1933 |
Key principles:
- Every Israeli resident MUST belong to one HMO
- HMOs cannot refuse membership (open enrollment)
- Switching between HMOs: up to twice in 12 months, on 6 fixed effective dates per year
- Funding: National Health Insurance tax (mas briut) collected by Bituach Leumi, distributed to HMOs per capita with risk-adjusted formula
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