Deposit insurance systems worldwide have changed after the 2008 financial crisis to restore public trust in banks and prevent bank runs. Changes include increasing coverage limits, eliminating coinsurance, and speeding up payouts to depositors. These changes can impact the moral hazard issue, premium assessments, and financial commitments of deposit insurance institutions. In Macedonia, changes did not affect premium assessments but increased the financial obligations of the deposit insurance institution. To address moral hazard, the Deposit Insurance Fund in Skopje should consider introducing risk-based premiums.