Instituti i Sigurimeve t\u00eb Kujdesit Sh\u00ebndet\u00ebsor (ISKSH) \u00ebsht\u00eb nj\u00eb nd\u00ebr institucionet m\u00eb t\u00eb r\u00ebnd\u00ebsishme t\u00eb sistemit sh\u00ebndet\u00ebsor n\u00eb vend. Ai u krijua n\u00eb vitin 1995, pas vendimit t\u00eb qeveris\u00eb shqiptare p\u00ebr t\u00eb nd\u00ebrtuar nj\u00eb sistem financimi t\u00eb sh\u00ebndet\u00ebsis\u00eb t\u00eb mb\u00ebshtetur n\u00eb kontribute dhe me nj\u00eb pagues t\u00eb vet\u00ebm. Fillimisht, ISKSH-ja ofronte sh\u00ebrbimin e rimbursimit t\u00eb nj\u00eb numri barnash, por nd\u00ebrkoh\u00eb ishte projektuar me iden\u00eb q\u00eb hap pas hapi t\u00eb ofronte gjithmon\u00eb e m\u00eb shum\u00eb sh\u00ebrbime. Domosdoshm\u00ebria e nd\u00ebrmarrjes s\u00eb reformave n\u00eb sh\u00ebrbimin sh\u00ebndet\u00ebsor ka q\u00ebndruar pezull si hije p\u00ebr qeverit\u00eb shqiptare dhe p\u00ebr gati 10 vjet shum\u00eb pak nisma konkrete u nd\u00ebrmor\u00ebn.<\/p>\n
<\/p>\n
Burimi: Ministria e Financave Bazuar n\u00eb Statutin e saj, ISKSH, siguron burime financimi nga: kontributet e t\u00eb siguruarve, Buxheti i Shtetit, donacionet dhe t\u00eb ardhurat e tjera. Duke qen\u00eb se t\u00eb ardhurat nga kontributet e detyrueshme dhe vullnetare jan\u00eb shum\u00eb t\u00eb ulta p\u00ebr p\u00ebrballimin e funksioneve q\u00eb kryen ISKSH, ai financohet nga Buxhetit i Shtetit p\u00ebr plot\u00ebsimin e k\u00ebtij boshll\u00ebku.<\/p>\n Edhe pse deri n\u00eb vitin 2005 rritja e kontributeve ka qen\u00eb n\u00eb norma relativisht t\u00eb mira, mesatarisht 15%, viti 2007 sh\u00ebnoi nj\u00eb p\u00ebrmir\u00ebsim t\u00eb duksh\u00ebm n\u00eb rritjen e t\u00eb ardhurave t\u00eb ISKSH-s\u00eb, rreth 24% krahasuar me vitin 2006. Ritmet rrit\u00ebse vijuan edhe n\u00eb vitet e tjera. N\u00eb 2010-n, t\u00eb ardhurat nga sigurimet sh\u00ebndet\u00ebsore ishin 4 her\u00eb m\u00eb t\u00eb larta se sa n\u00eb vitin 2000 dhe 2 her\u00eb m\u00eb t\u00eb larta se sa n\u00eb vitin 2005. N\u00eb p\u00ebrmir\u00ebsimin e treguesve, faktor\u00ebt kryesor\u00eb q\u00eb ndikuan ishin ulja e informalitetit (puna n\u00eb t\u00eb zez\u00eb) dhe rritja e pagave. Megjithat\u00eb, pavar\u00ebsisht shifrave n\u00eb rritje, t\u00eb ardhurat nga kontributet jan\u00eb ende shum\u00eb t\u00eb ulta p\u00ebr t\u00eb mund\u00ebsuar nj\u00eb vetfinancim t\u00eb funskioneve t\u00eb ISKSH-s\u00eb. Problemi kryesor \u00ebsht\u00eb cil\u00ebsuar n\u00eb m\u00ebnyr\u00eb t\u00eb vazhdueshme norma e ul\u00ebt e kontributit t\u00eb sigurimeve sh\u00ebndet\u00ebsore. Duke qen\u00eb se ky \u00ebsht\u00eb nj\u00eb vendim politik, pak gjasa ka q\u00eb t\u00eb vendoset p\u00ebr nj\u00eb ndryshim t\u00eb saj p\u00ebr shkak t\u00eb ndikimit t\u00eb publik.<\/p>\n Momenti i dyt\u00eb lidhet me pagimin e sigurimeve shoq\u00ebrore. Norma e kontributit t\u00eb sigurimeve shoq\u00ebrore \u00ebsht\u00eb disa her\u00eb m\u00eb e lart\u00eb se ajo e sigurime sh\u00ebndet\u00ebsore dhe nd\u00ebrkoh\u00eb, nj\u00eb individ nuk mund t\u00eb zgjedhi t\u00eb paguaj\u00eb nj\u00ebr\u00ebn dhe jo tjetr\u00ebn. N\u00eb k\u00ebto kushte, duke u munduar t\u00eb shmang pages\u00ebn e sigurimit shoq\u00ebror, ai shmang edhe pages\u00ebn e sigurimit sh\u00ebndet\u00ebsor, q\u00eb \u00ebsht\u00eb disa her\u00eb m\u00eb e ul\u00ebt se sa ajo e sigurimit shoq\u00ebror (Reynolds 2003).<\/p>\n Elementi i tret\u00eb dhe jo pak i r\u00ebnd\u00ebsish\u00ebm q\u00eb ndikon\u00eb n\u00eb t\u00eb ardhurat e ISKSH-s\u00eb lidhet me pagesat n\u00ebn dor\u00eb dhe besimin e njer\u00ebzve kundrejt sistemit sh\u00ebndet\u00ebsor. N\u00ebse shpenzimet sh\u00ebndet\u00ebsore jan\u00eb t\u00eb ngjashme p\u00ebr personat e siguruar dhe jo t\u00eb siguruar p\u00ebr shkak t\u00eb pagesave n\u00ebn dor\u00eb, kjo do t\u00eb thot\u00eb se skema e sigurimeve nuk i mbron pjesmarr\u00ebsit n\u00eb skem\u00eb nga jo pjesmarr\u00ebsit (Roshi, Toci, Qirjako, 2009). N\u00ebqoft\u00eb se k\u00ebto pagesa do t\u00eb mblidheshin n\u00eb m\u00ebnyr\u00eb institucionale dhe do t\u00eb p\u00ebrdoreshin me efektivitet, do t\u00eb ndihej menj\u00ebher\u00eb p\u00ebrmir\u00ebsimi i cil\u00ebsis\u00eb s\u00eb sh\u00ebrbimit. Varf\u00ebria, mungesa e informacionit, informaliteti i ekonomis\u00eb, etj jan\u00eb disa faktor\u00eb t\u00eb tjer\u00eb q\u00eb japin ndikimin e tyre n\u00eb mbledhjen e ul\u00ebt t\u00eb kontributeve.<\/p>\n \n T\u00eb dh\u00ebnat p\u00ebr vitet 2000-2010 i p\u00ebrkasin Treguesve Fiskal t\u00eb Buxhetit t\u00eb Shtetit Faktik Instituti i Sigurimeve t\u00eb Kujdesit Sh\u00ebndet\u00ebsor (ISKSH) \u00ebsht\u00eb nj\u00eb nd\u00ebr institucionet m\u00eb t\u00eb r\u00ebnd\u00ebsishme t\u00eb sistemit sh\u00ebndet\u00ebsor n\u00eb vend. Ai u krijua n\u00eb vitin 1995, pas vendimit t\u00eb qeveris\u00eb shqiptare p\u00ebr t\u00eb nd\u00ebrtuar nj\u00eb sistem financimi t\u00eb sh\u00ebndet\u00ebsis\u00eb t\u00eb mb\u00ebshtetur n\u00eb kontribute dhe me nj\u00eb pagues t\u00eb vet\u00ebm. Fillimisht, ISKSH-ja ofronte sh\u00ebrbimin e rimbursimit t\u00eb nj\u00eb numri barnash, por nd\u00ebrkoh\u00eb ishte projektuar me iden\u00eb q\u00eb… <\/p>\n","protected":false},"author":5,"featured_media":12613,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false},"categories":[39,457],"tags":[],"jetpack_featured_media_url":"https:\/\/i2.wp.com\/ndiqparate.al\/wp-content\/uploads\/2012\/02\/download-2021-05-26T154635.644.png?fit=587%2C336&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":23986,"url":"https:\/\/ndiqparate.al\/?p=23986","url_meta":{"origin":6221,"position":0},"title":"Renditje Institucionet Buxhetore sipas vler\u00ebs Pagesa p\u00ebrmes Thesarit t\u00eb Shtetit viti 2024","date":"April 16, 2025","format":false,"excerpt":"Institucionet Buxhetore kan\u00eb ekzekutuar p\u00ebr vitin 2024 nga Thesari i Shtetit 278 939 transaksione me vler\u00eb totale 620.94 miliard Lek\u00eb. 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\nP\u00ebrpunimi dhe komentet: ODA<\/sup><\/p>\n
\nT\u00eb dh\u00ebnat p\u00ebr vitin 2011 i p\u00ebrkasin Treguesve Fiskal T\u00eb Buxhetit t\u00eb Shtetit 2011<\/sup><\/p>\n","protected":false},"excerpt":{"rendered":"