The analysis of voluntary health insurance schemes expenditure in Denmark from 2013 to 2023 shows a generally increasing trend with some fluctuations. In 2013, the expenditure stood at 2.04 units, reaching 2.24 units by 2023. Key variations observed include substantial growth in 2019 (4.89%) and notable declines in 2020 (-7.2%) and 2021 (-4.11%). The average annual growth rate over the last five years (CAGR) is -0.089%, reflecting overall stagnation. From 2024 to 2028, the forecast indicates a minimal average increase of 0.09% annually, leading to a total growth rate of 0.44% over the period.

Future trends to watch for include:

Post-pandemic recovery patterns and their impact on health insurance spending.
Shifts in policy and regulatory frameworks affecting voluntary health insurance prices and demand.
The influence of demographic changes and aging population on health insurance needs.
Technological advances in healthcare delivery impacting cost structures and insurance premiums.