Medicaid versus Private Coverage for Low-Income Families: What are the Tradeoffs between Cost-Sharing and Access to Care

摘要 并不是所有的医疗保险都是平等的。医疗补助通常只提供很少的覆盖，甚至没有覆盖 患者分担费用，而许多私人非团体健康保险计划使患者面临 高额的自付支出。另一方面，并不是所有的提供者都会接受医疗补助患者，所以 有了私人保险，接触提供者的机会可能会更好。我们建议对专业人士进行评估 使用回归分析比较低收入家庭的医疗补助和私人保险的优缺点 不连续设计，利用了许多州医疗补助资格的急剧截止，为138% 贫困程度的下降。要分析的结果包括自付医疗保健支出和 获得护理的途径。我们还将分析医疗补助与私人保险的溢出效应 其他社会福利方案的使用，如食品券/SNAP和补充方案 安全收入(SSI)。分析的数据将来自当前的人口统计调查和 医疗开支小组的研究。 好了！

Abstract Not all health insurance is created equal. Medicaid typically provides coverage with little or no patient cost-sharing, while many private non-group health insurance plans expose patients to high out-of-pocket spending. On the flip side, not all providers will accept Medicaid patients, so that access to providers may be better with private coverage. We propose to evaluate the pros and cons of Medicaid versus private coverage for low-income families using a regression discontinuity design that exploits the sharp cutoff in Medicaid eligibility in many states at 138% of the poverty level. Outcomes to be analyzed include out-of-pocket health care spending and access to care. We will also analyze the spillover effects of Medicaid versus private coverage on the use of other social welfare programs such as Food Stamps/SNAP and Supplemental Security Income (SSI). Data for the analyses will come from the Current Population Survey and the Medical Expenditure Panel Study. !