era SJSN mungkin akan berakhir.

The relationship between health care use and private health insurance, in health systems where the public sector plays a dominant role, has been examined by a number of studies. The empirical evidence from Australia and Ireland have found that individuals with private insurance have higher usage health care services (Cameron et al. 1988;Harmon and Nolan 2001 dalam Terence Chai and Farshid Vahid, 2011 ), pernyataan  ini mensyaratkan mendesaknya sebuah asuransi nasional yang menaungi warga negara dan menekan biaya kesehatan ke tingkatan yang wajar dan bebas penyimpangan (fraud)