Women Saw Large Decrease In Out-Of-Pocket Spending For Contraceptives After ACA Mandate Removed Cost Sharing
Women Saw Large Decrease In Out-Of-Pocket Spending For Contraceptives After ACA Mandate Removed Cost Sharing
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DOI：
10.1377/hlthaff.2015.0127
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发表时间：
2015-07-01
期刊：
影响因子：
9.7
通讯作者：
Polsky, Daniel
中科院分区：
文献类型：
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作者：
Becker, Nora V.;Polsky, Daniel
《平价医疗法案》规定，私人健康保险计划涵盖处方避孕药，无需消费者分摊费用。这项新规定对购买避孕药具的消费者的积极财务影响可能是巨大的，但尚未得到估计。我们利用一家国家保险公司的大量行政索赔数据，估算了授权前后的自付费用。我们发现，市场上几乎所有可逆避孕方法的每次处方自付费用的平均值和中位数均有所下降。在 ACA 指令实施后，使用这些方法的女性用于口服避孕药处方和宫内节育器置入的自付费用平均百分比均下降了 20 个百分点。我们估计，每个避孕药使用者使用宫内节育器每年平均自付费用为 248 美元，口服避孕药每年可节省 255 美元。我们的结果表明，该命令导致避孕药具的自付费用总额大幅减少，并且这些价格变化对于拥有私人健康保险的女性来说可能很显着。
The Affordable Care Act mandates that private health insurance plans cover prescription contraceptives with no consumer cost sharing. The positive financial impact of this new provision on consumers who purchase contraceptives could be substantial, but it has not yet been estimated. Using a large administrative claims data set from a national insurer, we estimated out-of-pocket spending before and after the mandate. We found that mean and median per prescription out-of-pocket expenses have decreased for almost all reversible contraceptive methods on the market. The average percentages of out-of-pocket spending for oral contraceptive pill prescriptions and intrauterine device insertions by women using those methods both dropped by 20 percentage points after implementation of the ACA mandate. We estimated average out-of-pocket savings per contraceptive user to be $248 for the intrauterine device and $255 annually for the oral contraceptive pill. Our results suggest that the mandate has led to large reductions in total out-of-pocket spending on contraceptives and that these price changes are likely to be salient for women with private health insurance.