The American Chamber of Commerce in Croatia (AmCham) provides recommendations on the announced amendments to the Mandatory Health Insurance Act. It suggests that maternity benefits should be financed from the state budget, allowing HZZO funds to be fully directed towards healthcare. AmCham also advocates for clearer definitions of healthcare standards and norms, including treatment timelines and outcomes, with public access to this information. Furthermore, it supports co-payment options for enhanced services if offered by contracted providers, such as higher-quality medical implants or private rooms. The goal is a more transparent, higher-quality, and sustainable healthcare system.