What Triggers Loss of Health Insurance Among the Near-Elderly?

是什么导致近老年人失去健康保险？

• 批准号: 7529938
• 负责人: Helen G Levy
• 金额: $ 6.33万
• 依托单位: UNIVERSITY OF MICHIGAN AT ANN ARBOR
• 依托单位国家: 美国
• 财政年份: 2008
• 资助国家: 美国
• 起止时间: 2008-09-01 至 2010-07-31
• 项目状态: 已结题
• 来源: https://reporter.nih.gov/project-details/7529938
• 关键词: Adult; Affect; Age; Caring; Cereals; Complement; Complex; Data; Data Set; Divorce; Elderly; Eligibility Determination; Employment; Event; Expenditure; Face; Health; Health Insurance; Household; Husband; Image; Incentives; Incidence; Individual; Insurance; Insurance Coverage; Labor Forces; Light; Link; Marital Status; Marketing; Medical; Medicare; Methods; Modeling; Numbers; Occupations; Personal Satisfaction; Policies; Poverty; Public Health; Public Policy; Research; Retirement; Risk; Security; Social Security; Spouses; Time; Uninsured; Update; Widow; Widowhood; Work; age group; defined contribution; design; disability; egg; follow-up; retiree; spelling

DESCRIPTION (provided by applicant): A growing body of work shows that adults who arrive at Medicare eligibility uninsured have greater unmet needs for medical care than those who are continuously insured (Card et al. 2004; Dor et al. 2006; Polsky et al. 2006). The uninsured face significant financial risks as well; for the near-elderly who have a retirement nest egg to protect, the consequences of bad health during an uninsured spell are potentially catastrophic. In order to shed light on why some households are exposed to these risks, I plan to use detailed longitudinal data from the Health and Retirement Study and from the Medical Expenditure Panel Study to analyze the dynamics of health insurance loss among the near-elderly. My specific aims are to answer the following questions: (1) What events trigger loss of insurance coverage among the near-elderly? (2) How do spells without insurance end for the near-elderly? Because most insurance coverage is obtained through a job or a spouse's job, retirement, job loss, divorce and widowhood are all potential triggers for losing insurance. Spells of illness may also trigger loss of insurance either directly or because illness makes work impossible and employer-sponsored coverage is lost. My research will determine how often health insurance loss or gain can be linked to one or more of these events. PUBLIC HEALTH RELEVANCE: The proposed research will analyze why near-elderly households lose their insurance coverage. Job loss, retirement, divorce and widowhood may all trigger loss of coverage. Understanding how much each of these triggers contributes to gaps in coverage for the near-elderly will help inform the design of public policies to protect the financial security of households nearing retirement.

描述（由申请人提供）：越来越多的工作表明，与持续保险的成年人未保险的成年人对医疗保健的需求更大（Card等，2004; Dor等人2006; Polsky etal。2006）。没有保险的也面临着重大的财务风险；对于有一个退休巢鸡蛋的近乎荒谬的人来说，未保险咒语中不良健康的后果可能是灾难性的。为了阐明某些家庭为什么会承受这些风险，我计划使用健康和退休研究中的详细纵向数据以及医疗支出小组研究中的纵向数据，以分析近乎遗产的健康保险损失的动态。我的具体目的是回答以下问题：（1）哪些事件触发了近乎埃尔德利的保险范围的损失？ （2）如何在没有保险的情况下拼写几乎付出的咒语？因为大多数保险范围都是通过工作或配偶的工作获得的，所以退休，失业，离婚和丧偶都是损失保险的潜在触发因素。疾病法术也可能直接触发保险损失，或者因为疾病使工作变得不可能，并且雇主赞助的保险范围丢失了。我的研究将确定健康保险损失或收益可以与其中一个或多个事件相关的频率。公共卫生相关性：拟议的研究将分析为什么近乎老家庭失去其保险范围。失业，退休，离婚和丧偶可能会触发覆盖范围的丧失。了解这些触发因素中的每一个都会导致近乎遗产的覆盖范围差距，这将有助于告知设计公共政策，以保护即将退休的家庭的财务安全。