Articles · Vol. 2 No. 9 (2026)

THE EXPERIENCE OF ORGANIZING THE HEALTH INSURANCE SYSTEM IN THE RUSSIAN FEDERATION: LEGAL, FINANCIAL, AND INSTITUTIONAL PERSPECTIVES

Authors

  • Guzal UMRKULOVA 1st-Year Master’s Student, Specialty “Medical Insurance Business” Tashkent State Medical University, Tashkent, Uzbekistan

Keywords

: compulsory health insurance; Russian Federation; healthcare financing; medical insurance; healthcare reform; universal health coverage; OMS system; Semashko model; digitalization; post-Soviet transition

Abstract

This article examines the development of the compulsory health insurance system in the Russian Federation and analyzes its legal, institutional, and financial mechanisms. The study explores the historical evolution of the Russian healthcare insurance model, the structure of financing, the role of federal and territorial insurance funds, and the implementation of digital healthcare technologies. Particular attention is paid to the challenges and achievements of the Russian model in ensuring universal healthcare coverage. The research findings may serve as a useful reference for healthcare reforms in developing countries, including Uzbekistan.

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