INSURANCE MARKET 2025: HOW NEW TRENDS CAN SOLVE THE PROBLEMS OF COMPULSORY MEDICAL INSURANCE

Abstract

This article is devoted to the current problems of the compulsory medical insurance (CHI) system in the Russian Federation, exploring the possibilities of transformation that will open up in the insurance market by 2025. The authors conduct a comprehensive analysis of the existing compulsory health insurance system, considering its key actors, their roles and interactions. Special attention is paid to new trends in the insurance market, such as telemedicine, the use of artificial intelligence, the personalization of insurance products and the development of public-private partnerships, as potential drivers for solving accumulated problems. The paper analyzes in detail the dynamics of key indicators of the compulsory health insurance system in recent years, identifies the main trends and problem areas. Various stages of the development of the compulsory health insurance system are considered, taking into account both existing challenges and promising opportunities associated with the introduction of innovative technologies. The critical need for the active introduction and integration of innovative technologies into the compulsory health insurance system is emphasized in order to significantly increase the availability, quality and effectiveness of medical care provided. The authors argue that the competent use of telemedicine solutions, artificial intelligence algorithms for diagnostics and personalized insurance products will optimize processes, reduce costs and improve treatment outcomes, thereby increasing patient satisfaction and reducing the burden on the healthcare system as a whole. In conclusion, specific directions are proposed for the further development and improvement of the compulsory health insurance system, taking into account the realities of the insurance market in 2025.