KKP Securities analyst Teerapol Udomvej says Thai health spending has grown faster than GDP (share rising from 3.08% in 2000 to 4.54% in 2023), and the state may hit its limit by 2030, forcing changes to the UC, social security and civil servant schemes. Only 6.4% of Thais hold private health insurance versus an OECD average of 36%, and premiums grew about 8% a year over 2019-2025. For an SME, this is a forecast, not a rule change yet: review staff health cover and out-of-pocket medical costs now, and watch for tax-deduction or co-payment changes. The article is a broker's outlook, so treat its timing as an estimate.