Structural inequities threaten Moldova’s healthcare system despite rising insurance rates
Over 84% of Moldova's population is currently covered by health insurance. However, experts warn this figure remains insufficient to guarantee a sustainable and high-quality healthcare system.
Ghenadie Țurcanu, Program Director at the Center for Health Policy and Studies, highlighted that the current funding model relies on disproportionate contributions. While employees pay 9% of their salary, those without a steady income must pay a fixed annual premium.
The funding gap and equity concerns
The fixed health insurance premium for 2026 is set at €632 (approx. 12,636 MDL). To encourage early payment, the government offers an 80% discount—reducing the cost to €126 (approx. 2,527 MDL)—if purchased before March 31.
"The issue lies in the inequity of the mechanism," Țurcanu stated. He argues that the system remains fragile because contributors often cover the costs for those who fail to pay, leading to a financial imbalance.
Impact on self-employed and diaspora
Tatiana Rotaru, Deputy Head at the National Health Insurance Company (CNAM), noted that certain professionals, including lawyers and doctors, no longer benefit from the 80% discount. They are now required to pay the full amount of €632.
Recent legislative changes have clarified the status of citizens living abroad. Those residing outside Moldova for more than 183 days are generally exempt from mandatory insurance, unless they own specific types of local businesses.
Deadlines and penalties
Citizens have until the end of March to secure coverage at the discounted rate. After April 1, the premium must be paid in full, with additional late fees of approximately €0.20 (4 MDL) per day.
The insurance remains valid until January 31, 2027. Officials admit that many of the remaining 16% of uninsured citizens are either in transition between jobs or lack information regarding their legal obligations.
Translation by Iurie Tataru
