Solving Deficit Funding Issues in Indonesian Health Insurance Systems

Indonesian National Health Insurance System (INHIS) is a government program that aims to provide health insurance to citizens by guaranteeing their health services. However, INHIS finances continued to experience a deficit since 2014. The purpose of this study was to find a solution so that the stock of funds remained stable. This is done by changing the patient's referral mechanism in INHIS. This is one solution so that the total health care costs do not increase. In this case the dynamic system simulation model is needed to find the relationship pattern between variables so that it can estimate the condition of INHIS funds. The decision variables in this study are the total health care costs and the stock of funds. From the simulation process, the results show that the proposed model can reduce the total health care costs by 44% and be able to maintain a stable supply of funds up to 40% of the sudden increase.