This article aims to determine a feasible entrance brink constant for secluded healthiness indemnification corporations to access the newest purchaser excess for Kosovo’s planned compulsory wellbeing indemnification fund, as well as to evaluate the reasoning behind it and measure the surplus. We begin with a succinct overview of the current status of the private insurance sector. Despite experiencing a substantial growth spurt in recent years, its share in the overall financial sector has, in fact, decreased. Following this, we delve into an intuitive approach for calculating the threshold coefficient. Due to the unavailability of similar contingent valuation survey data, we adopt a method based on adjusting prices using the consumer price index. These adjusted prices are then used to estimate the most recent data. Our findings reveal the presence of a consumer surplus, signifying an opportunity for original sequestered guarantors to enter the marketplace or for prevailing companies to offer additional services at an additional cost. However, it’s important to note that the 2021 surplus is notably lower compared to the estimate for the year 2015.