Health Insurance For People Younger Than Age 65: Expiration Of Temporary Policies Projected To Reshuffle Coverage, 2023-33
Health Insurance For People Younger Than Age 65: Expiration Of Temporary Policies Projected To Reshuffle Coverage, 2023-33
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DOI：
10.1377/hlthaff.2023.00325
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发表时间：
2023-06-01
期刊：
影响因子：
9.7
通讯作者：
Minicozzi, Alexandra
中科院分区：
文献类型：
--
作者：
Hanson, Caroline;Hou, Claire;Minicozzi, Alexandra
国会预算办公室估计，2023年，美国65岁以下的2.48亿人拥有医疗保险(主要是通过基于就业的计划)，2300万人，即该年龄段的8.3%没有保险--保险覆盖范围因收入而有很大差异，其次是种族和民族。史无前例的低失保率在很大程度上要归因于临时政策，这些政策让受益人继续参加医疗补助，并在新冠肺炎大流行期间增加了通过医疗保险市场提供的补贴。随着持续资格规定在2023年和2024年取消，估计该年龄段将有930万人过渡到其他形式的保险，620万人将成为没有保险的人。如果增强的补贴在2025年后到期，预计参加Marketplace保险的人数将减少490万，而不是参加无补贴的非团体或基于就业的保险，或者成为没有保险的人。到2033年，未参保率预计为10.1%，仍低于2019年约12%的比率。
The Congressional Budget Office estimates that in 2023, 248 million people in the US who are younger than age sixty-five have health insurance coverage (mostly through employment-based plans), and twenty-three million people, or 8.3 percent of that age group, are uninsured-with significant variations in coverage by income and, to a lesser extent, by race and ethnicity. The unprecedented low uninsurance rate is largely attributable to temporary policies that kept beneficiaries enrolled in Medicaid and enhanced the subsidies available through the health insurance Marketplaces during the COVID-19 pandemic. As the continuous eligibility provisions unwind in 2023 and 2024, an estimated 9.3 million people in that age group will transition to other forms of coverage, and 6.2 million will become uninsured. If the enhanced subsidies expire after 2025, 4.9 million fewer people are estimated to enroll in Marketplace coverage, instead enrolling in unsubsidized nongroup or employment-based coverage or becoming uninsured. By 2033 the uninsurance rate is projected to be 10.1 percent, which is still below the 2019 rate of about 12 percent.