A single-payer may reduce efficiency due to increasing the bureaucracy and decreasing responsiveness; however, in Iran where people do not have real right to choose between different funds (people are assigned to different insurance funds according to their job status or where they live), the efficiency lost as a result of merging may not be significant [ 29 ].
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What are the potential advantages and disadvantages of merging health insurance funds? A qualitative policy analysis from Iran.
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