Insuring low-income adults: does public coverage crowd out private?
Insuring low-income adults: does public coverage crowd out private?
复制标题
为低收入成年人提供保险：公共保险是否会排挤私人保险？
DOI：
10.1377/hlthaff.21.1.225
复制
发表时间：
2002
期刊：
影响因子：
9.7
通讯作者：
T. Gilmer
中科院分区：
文献类型：
--
作者：
R. Kronick;T. Gilmer
在20世纪90年代中期，明尼苏达州、华盛顿州、俄勒冈州和田纳西州实施了为以前没有资格享受医疗补助的低收入人群提供补贴医疗保险的计划。我们估计这些计划对这些州低收入成年人健康保险状况的影响。我们发现，在家庭收入低于联邦贫困线100%的人中，补贴的公共保险减少了未保险的人数，对私人保险率的影响很小。在收入在FPL的100%至200%之间的人中，公共保险减少了未保险的人数，并挤掉了一些私人保险。这些计划取得的部分成功应该被正确看待：即使在计划实施后，四个州大约30%的低收入成年人没有保险。
During the mid-1990s Minnesota, Washington State, Oregon, and Tennessee implemented programs to provide subsidized health insurance for low-income persons who were not previously eligible for Medicaid. We estimate the effects of these programs on the health insurance status of low-income adults in these states. We find that among persons with family incomes below 100 percent of the federal poverty level, subsidized public coverage reduced the number of uninsured persons with very little effect on private coverage rates. Among persons with income between 100 percent and 200 percent of FPL, public coverage reduced the number of uninsured persons and crowded out some private insurance. The partial successes achieved by these programs should be kept in perspective: Even after program implementation, approximately 30 percent of low-income adults in the four states were uninsured.