English Abstract: This paper is aimed to analyze the international experience of the use of health savings accounts and … possibilities of their application in the Russian practice. In the conditions of insufficient public spending on health it is … improve the efficiency of spending. Medical savings accounts are also of interest to the Russian health care as one of the …

increase of the retirement age. The situation of this population group differs significantly from other groups on the labor … the reform, and an increase in the length of working careers. A negative consequence of raising the retirement age was an … they reach retirement age and for a short period of such a combination. At the same time, the reform currently underway to …