50 Años es Nada (III): El Derrumbe de los Sistemas Privados de Pensiones y Salud

El hecho de que este gobierno entablara la tercera reforma, después de las de Bachelet I y Piñera II, demuestra la crisis terminal del sistema privado de pensiones.

El previsible rechazo del congreso, no altera la ecuación, sino la profundiza.

El proyecto, ingresado en noviembre de 2022, propone, en esencia, un sistema mixto en reemplazo de las AFP, incorpora un pilar solidario financiado por el 6% de cargo del empleador, y administración pública de los recursos.

Parecen cambios significativos, a la luz de la copiosa experiencia de casi medio siglo de modelo neoliberal; pero como es normal en la república de los consensos, se trata de retórica, para decorar soluciones de utilería.

Es cierto que incrementa la pensión garantizada universal, PGU, en poco más de $40 mil en promedio; que establece la creación de un Inversor de Pensiones Público y Autónomo (IPPA) y que reemplaza a las AFP por la figura de los Inversores de Pensiones Privados (IPP), que competirán con el IPPA por el favor de los afiliados (cada vez que escucho esa palabra, se me presenta el término afilados) y algunas otras menudencias, contra las cuales nadie podría oponerse. .

Sin embargo, en lo medular, no acaba sino refuerza el desvío de cotizaciones y subsidios previsionales hacia el ahorro forzoso; aumentan tanto el abuso al trabajador activo y jubilado, como el gasto fiscal, y obliga a los jubilados a traspasar la propiedad de su fondo al oligopolio de aseguradoras privadas, que mantendrá intereses cruzados con los IPP; Inversores de Pensiones Privados. .

En otras palabras, más de lo mismo.

Independiente de retoques formales, el sistema de pensiones seguirá siendo, por lejos, la principal fuente de financiamiento de la inversión privada del país; o sea, el negocio de la seguridad social, a título de la «propiedad» del trabajador, de sus fondos previsionales.

Es más, en el improbable evento de aprobarse, la reforma consagraría la paradoja de un sistema privado, financiado en un 78% por gasto público, caso único en el mundo. La perfecta hipocresía.

Conviene detenerse en el mito fundacional del sistema privado de pensiones, aquel de la supuesta «propiedad» del trabajador, de su fondo de pensiones.

De entrada, desde 1981 los trabajadores/ras son obligados a cotizar en las AFP. Si fueran dueños de sus fondos podrían, al menos, decidir entre un sistema privado y uno público. Es cierto que esa posibilidad está contemplada en el proyecto del gobierno, pero, precisamente por eso, entre otras razones, será rechazado en un congreso de mayoría derechista.

Si fueran dueños de sus fondos, tendrían derecho a un representante en los sillones de directorio de las AFP.

Si fueran dueños de sus fondos, podrían objetar operaciones escandalosas, como masivas compras accionarias en LAN, justo cuando Piñera se desprendía de las suyas, o años más tarde, en la misma aerolínea, meses antes de su quiebra, con grave perjuicio de los afilados.

La realidad es exactamente opuesta.

El sistema es una caja negra, que en su entrada, recibe puntualmente, cada mes, recursos frescos equivalentes al 7% del sueldo de los trabajadores activos del país. En el proceso, transfiere esos recursos al sistema financiero, que a su vez los endosa a las empresas de los princilapes grupos económicos del país.

En la salida, le devuelve al trabajador una renta equivalente al 30 por ciento de su sueldo en actividad. ¿Qué propietario admitiría eso?

El proyecto está estancado en el parlamento, porque la derecha no acepta el fondo solidario de 6% y pretende que vaya a las cuentas individuales del trabajador, con la ideológica impostura de la «propiedad» individual de sus fondos.

Entonces, emerge la verdad: a la derecha le importa un pepino la pensión de los trabajadores; lo que le interesa es que ese ahorro forzando siga funanciando las cuentas del gran capital.

Lo propio cabe decir de la crisis de la salud privada. Por años, las Isapres acumularon espectaculares ganancias, con cargo a alzas unilaterales en el precio de los planes; copagos de contrabando en la letra chica; «descreme», o selección de afiliados, en función de parámetros como nivel de ingreso o factores de riesgo, y negocios cruzados con prestadores de salud, como clínicas, centros médicos o laboratorios.

De súbito, un supremazo estableció la obligación inapelable de devolver cobros excesivos de cotizaciones durante los 31 meses que van de mayo de 2020 a noviembre de 2022, por US$1.400 millones, y comenzó al punto la consabida campaña del terror, a cargo de los «expertos» de turno:

«Es un compromiso financiero que acabará con la industria»; «significará el fin de la libre elección en salud», o «el sistema público no está preparado para recibir a los afiliados del sistema privado», entre otras sandeces de parecido jaez.

El gobierno entabló un proyecto de ley para regular esas devoluciones. Rápido como tiro de pistola, partió el contragolpe de los neoliberales emboscados en el «centro» político, en este caso los senadores Ximena Rincón y Matías Walker, ex-demócrata cristianos, actualmente demócratas a secas, junto a sus nuevos socios de derecha.

Ximena Rincón
Senadora Ximena Rincón: temible operaria del servicio público-privado

El proyecto consiste en un confuso mecanismo de siete «pilares», cortados a la medida para salvar a la «industria». Entre ellos, nuevas bases para determinar las tarifas de los planes; recálculo de los planes anteriores al año 2020; plazos «prudentes» para las isapres y una reforma al sistema que permita dar certezas y restaurar las confianzas, en el plazo de un año.

La filosofía de la propuesta, en palabras de la senadora Rincón, presenta la simplicidad del chantaje:

«El gobierno dice que las isapres deben devolver lo cobrado en exceso, el tema es que si las isapres entran en una situación de riesgo no van a tener cómo devolver”.

En esencia, un nuevo perdonazo que invoca un principio liberal de antiguo cuño: las ganancias son privadas, mientras que las pérdidas se le endosan, por la vía más corta posible, al sector público.

El protagonismo de la senadora Rincón no es casual. Como cabildera de la industria de la previsión y los seguros de salud, la ha defendido en todos los frentes de desempeño: como senadora en el parlamento; directora de la AFP Provida en el ámbito empresarial y como Superintendenta de Seguridad Social, Intendenta de la Región Metropolitana y ministra de diversos gabinetes de gobiernos de la concertación, en el ejecutivo.

Esto explica la riesgosa operación que encabeza esta sagaz servidora público/privada para salvar in extremis a la industria de los seguros de salud; un sistema absurdo, donde el 40% del gasto en salud, atiende al 16% de la población; que atropella sistemáticamente los derechos de los afiliados y que no encuentra otra forma de salir del atolladero creado por su codicia, que traspasarle la mochila al Estado, a pesar del fallo de la Corte Suprema, o precisamente por eso.

Está en trámite en el congreso, la denominada Ley Corta de Isapres, una operación de salvataje liderada por el gobierno, que se propone encontrar la fórmula que permita aplicar el fallo de la Corte Suprema sobre la base de la tabla de factores de riesgo, y a la vez, viabilizar a la industria permitiendo la continuidad de las prestaciones y el pago de los excedentes que correspondan.

Eso explica el sigilo que rodea las negociaciones, y al mismo tiempo, la velocidad con la que avanza en el congreso.
Le pueden dar las vueltas que se quiere, pero eso no salvará a los sistemas privados de salud y de pensiones, por la sencilla razón de que van contra natura. Lo único que lograrán en el intertanto es prolongar el sufrimiento social.

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