The health care system of the Republic of Croatia is based on Bismarck's model. He dictates that the current working population, by paying health contributions, finances the Croatian Health Insurance Fund, which makes further payments for the needs of the population. HZZO 2020 revenues were amounted to HRK 27.3 billion.. What does not exist in the reports is future forecasts that predicts there is a growing disparity between the workforce and people who are neither in employment nor retired. With 75 pensioners per 100 employees, Croatia is at the bottom of European countries, with only Hungary, Bulgaria and Romania behind. Given the negative demographic effects, i.e. There are more and more unemployed persons, and the health care model in Croatia won't be sustainable in long term. Due to the above facts, it is necessary to gradually change the health care system. Gradual change is better to choose than drastic changes in the system because they, as stated in the paper, bring more damage than benefits. It is necessary to relieve the burden in both public and private hospitals by deliberately and precisely applying vouchers. Therefore, a positive effect is the individual's decision to choose a place to provide health services. In the long run, the consequences would have a positive effect on the improvement of the health care system (hospital equipment, more skilled personnel, digitisation of the system, etc.).