Trends In Underinsurance And The Affordability Of Employer Coverage, 2004-2007
Trends In Underinsurance And The Affordability Of Employer Coverage, 2004-2007
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DOI：
10.1377/hlthaff.28.4.w595
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发表时间：
2009-07-01
期刊：
影响因子：
9.7
通讯作者：
Ding, Tina
中科院分区：
文献类型：
--
作者：
Gabel, Jon R.;McDevitt, Roland;Ding, Tina
基于模拟账单支付，本文考察了2004年至2007年的覆盖范围的全面性，医疗服务的自付支出，保险不足，以及雇主为基础的保险的负担能力的趋势。数据来自MarketScan医疗索赔和雇主健康福利年度调查。2007年的医疗计划支出略低于2004年，但由于整体医疗支出的增长，自付支出增长了三分之一以上。对于贫困率为200%的人来说，将收入的10%以上用于保费和服务的比例从13%增加到18%。[ Health Affairs 28，no. 4（2009）：w595-w 606（2009年6月2日在线发布; 10.1377/hlthaff.28.4.w595）]
Based on simulated bill paying, this paper examines trends in comprehensiveness of coverage, out-of-pocket spending for medical services, underinsurance, and the affordability of employer-based insurance from 2004 to 2007. Data are from MarketScan medical claims and an annual survey of employer health benefits. Health plans covered slightly fewer expenses in 2007 than in 2004, but out-of-pocket spending grew more than one-third because of growth in overall health spending. For people at 200 percent of poverty, the percentage spending more than 10 percent of their income out of pocket on premiums plus services increased from 13 percent to 18 percent. [ Health Affairs 28, no. 4 ( 2009): w595-w606 (published online 2 June 2009; 10.1377/hlthaff.28.4.w595)]