in effect the ministry of health and welfare currently determines the overall budget for health insurance when it negotiates fees through the national health insurance policy deliberation committee a more proactive effort is needed to design health care policies which meet korea s future needs theoretically a single insurer should have a strong bargaining position in negotiations with provider groups enabling it to drive change in the way private providers deliver health care with no risk that patients can move to another fund a single insurer has an economic incentive to focus on prevention and early intervention investing in a person s good health today leads to fewer claims and payouts in the future