Harvard Medical School, Boston, Massachusetts, USA.
Health Aff (Millwood). 2010 Jan-Feb;29(1):96-101. doi: 10.1377/hlthaff.2009.0920.
Discussions about long-term care financing often get mired in the false dichotomy that long-term care should be primarily either a public or a private responsibility. Our starting premise is that public and private long-term care coverage can best serve complementary roles. Therefore, public policy should focus on supporting both mechanisms to achieve efficient and equitable outcomes. The current state of the private long-term care insurance market, and the possible reasons for its modest size, provide a starting point for exploring how public policy might interface more productively with it, in the context of both existing and potential programs, such as the proposed Community Living Assistance Services and Supports (CLASS) Act.
关于长期护理融资的讨论常常陷入长期护理主要应由公共部门还是私人部门负责的错误二分法中。我们的前提是，公共和私人长期护理覆盖可以最好地发挥互补作用。因此，公共政策应侧重于支持这两种机制，以实现高效和公平的结果。私人长期护理保险市场的现状及其规模不大的可能原因为探索公共政策如何在现有和潜在计划（例如拟议的社区生活援助服务和支持（CLASS）法案）的背景下，更有效地与其相互作用提供了起点。
