Taxes Health BPJS It is again predicted to increase in 2025.
Recently, BPJS Chief Health Director, Ali Ghufron Mukti, recommended to President Prabowo Subianto to increase BPJS Health contributions by mid-2025.
The proposed increase was submitted so that the financial deficit that threatens the implementation of the National Health Insurance Program (JKN) is closed.
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Ghufron projects that BPJS Health will have a deficit of IDR 20 trillion this year. He is concerned that if this threat is not resolved, JKN’s continuity will be disrupted and there will be a possibility of defaulting in 2026 if the contributions are not increased.
According to him, the proposed increase was introduced because the government has not changed the BPJS Health contributions for the past two periods. In fact, grant increases should be made every two years.
“Later, at the end of June or early July, it will be determined how much the grant will be, target benefits and rates will also (be changed),” said Ghufron at the Office of National Development Planning / Bappenas, on Monday. ( 11/11), as mentioned detikcom.
Meanwhile, BPJS Health Planning and Development Director, Mahlil Ruby, said that from 2023, there will be a gap between the costs incurred by BPJS Health and its income.
He said the plan to increase donations is one way to keep the JKN program going as well as implementing other strategies from cost sharing to APBN subsidies.
“From 2023, there will be a different gap, meaning higher costs and prices. The loss ratio experienced at BPJS Health between premium income and paid claims can reach 100 percent. This is what makes BPJS Health’s situation even worse and threatens to fail to pay claims,” said Mahlil.
BPJS Health contributions have not increased in recent years. If defined, Class 1 BPJS Health participants pay contributions of IDR 150 thousand per person per month, Class 2 pays contributions of IDR 100 thousand per person, and Class 3 a ‘ pay IDR 35 thousand per person per month. Class 3 fees are actually IDR 42 thousand per month, but the government subsidizes it to IDR 7,000.
So what will be the effect if Prabowo increases BPJS Health contributions next year?
Indonesia Strategic and Economic Activity (ISEAI) senior analyst Ronny P Sasmita sees that increasing grants could be one solution to the deficit of BPJS Health. However, this logic cannot be simply accepted.
This is because BPJS Health is part of a form of state intervention in the health sector. This means that if the income situation of people, especially workers, is not yet eligible to receive an increase, the state will definitely have to bear it.
“That’s one of the things about BPJS, it’s not just profits and losses and deficits,” Ronny said. CNNDonesia.comTuesday (12/11).
Ronny said the increase in taxes had to be supported by corresponding data from the government.
In addition, things that need to be questioned include whether the income situation of workers is ready to receive an increase, as well as whether the increase in the UMP this year and the next year the increase in donations will be neutralized. These things must first be answered logically and truthfully.
He believes that the increase does not necessarily have to cover the entire BJPS Health deficit at once. Ronny also reminded them not to let the increase in fees pass on to all participants.
“What is clear is that the increase in BPJS contributions should not weigh on the purchasing power of workers, because in the last two years the income of workers and the middle class has be under incredible pressure. So the increase should not be too high. It really needs to be measured,” he said.
He said that if the increase was too big, for example up to IDR 50 thousand, this would actually reduce the workers’ rice quota up to 4 liters. This means that an increase in contributions up to IDR 50 thousand will put pressure on the purchasing power of workers.
He assumes that if donations only increase by about IDR 10 thousand, the impact will not be too great on the income of BPJS Health participants.
Ronny also does not deny that if the high increase is not implemented by BPJS Health, there could be a deficit as before. This reflects the amount of medium-sized bills from year to year. But, according to Ronny, BPJS Health needs to be open about its balance to the public.
“Maybe the short-term solution is to increase contributions. But the long-term solution is undoubtedly to reduce bills. This means reducing the number of illnesses for BPJS participants and society in general,” said Ronny.
At the same time, the Executive Director of the Center for Economic Reform (CORE) Mohammad Faisal explained that BPJS Health must look for other sources that could increase their income, such as diverting investments from corporate social responsibility (CSR) or otherwise. things. This is to reduce their dependence on tax funding.
Faisal said that the number of bills covered by BPJS Health was very large from participants who could pay and those who could not pay with the number of recipients. grant aid (PBI) relatively increasing.
“So those who pay these taxes are relatively limited, especially in situations like now post-pandemic where the middle class pays taxes, ” he explained.
“The middle class is actually suffering a decline in terms of its earning potential. When the burden is then increased by increasing the contributions for BPJS Health, this gives even more mis- confidence for those who have been paying BPJS Health,” said Faisal.
Therefore, Faisal said that this is where the government should play a role in overcoming this problem, especially for those from the lower classes or those who cannot pay, and not to send more burden on the middle class.
“So, instead of being burdened more by the middle class, their purchasing power is eroded.
In addition, he said, along with an increase in health service levels, this could lead to a reduction in the amount of health services.
In fact, several months ago it was reported that the government ordered all hospitals collaborating with BPJS Health to implement a standard patient classification system (KRIS) not later than 30 June 2025.
At that time, this scheme caused assumptions among the public that classes 1, 2, 3 would be abolished and KRIS implemented instead in all hospitals.
“So, on the other hand, do not set health standards at the center that are difficult to follow in the regions,” said Faisal.
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