Sizing Up the Individual Market for Health Insurance
Sizing Up the Individual Market for Health Insurance
复制标题
评估个人健康保险市场
DOI：
--
复制
发表时间：
2013
影响因子：
2.5
通讯作者：
M. Boudreaux
中科院分区：
文献类型：
--
作者：
J. Abraham;P. Karaca;M. Boudreaux
《平价医疗法案》中的条款，包括为无法获得雇主保险的低收入美国人引入补贴的、基于交易所的保险，预计将大大扩大个人市场的规模和重要性。使用多个联邦调查和来自全国保险专员协会的行政数据，我们生成了国家、地区和州一级的个人市场估计。2009年，享有个人保险的非老年人人数从医疗支出小组调查中的955万人到美国社区调查中的2530万人不等。调查估计值与美国国家保险监理协会（National Association of Insurance commissioner）的行政统计之间也存在显著差异，这一结果可能是由与行政数据相关的调查所考虑的个人保险范围的类型和衡量方式的差异造成的。未来评估《平价医疗法案》覆盖条款影响的研究必须注意调查和行政来源之间的差异，因为它涉及到个人市场覆盖的测量。
Provisions within the Affordable Care Act, including the introduction of subsidized, Exchange-based coverage for lower income Americans lacking access to employer coverage, are expected to greatly expand the size and importance of the individual market. Using multiple federal surveys and administrative data from the National Association of Insurance Commissioners, we generate national-, regional-, and state-level estimates of the individual market. In 2009, the number of nonelderly persons with individual coverage ranged from 9.55 million in the Medical Expenditure Panel Survey to 25.3 million in the American Community Survey. Notable differences also exist between survey estimates and National Association of Insurance Commissioners administrative counts, an outcome likely driven by variation in the type and measurement of individual coverage considered by surveys relative to administrative data. Future research evaluating the impact of the Affordable Care Act coverage provisions must be mindful of differences across surveys and administrative sources as it relates to the measurement of individual market coverage.