Health Insurance Stability and Health Status

2008 ◽  
Vol 29 (11) ◽  
pp. 1471-1491 ◽  
Author(s):  
Robert B. Nielsen ◽  
Steven Garasky
Keyword(s):  
Health Insurance ◽  
Multivariate Analyses ◽  
Private Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Adult Health ◽  
Program Participation ◽  
Public And Private ◽  
Policy Makers ◽  
Personal Insurance

Being uninsured affects one's ability to access medical services and maintain health. Using longitudinal data from the Survey of Income and Program Participation, the authors investigated how individual and family insurance coverage affects adult health. They found that health insurance coverage often varies across family members and changes frequently. Employing multivariate analyses that control for personal insurance status, predisposing characteristics, and enabling resources, the authors show that adults who are members of families that include other uninsured members are more likely to report poor health than adults in full-coverage families. Policy makers should consider refocusing public and private insurance coverage goals to include full-family coverage.

scholarly journals Change in Perceived Health Insurance Coverage Among People with Multiple Sclerosis

2014 ◽  
Vol 16 (3) ◽  
pp. 132-139 ◽  
Author(s):  
Alyssa Pozniak ◽  
Louise Hadden ◽  
William Rhodes ◽  
Sarah Minden
Keyword(s):  
Multiple Sclerosis ◽  
Health Insurance ◽  
Private Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
The United States ◽  
Public And Private ◽  
Perceived Change ◽  
Publicly Insured ◽  
Privately Insured

Background: Previous research suggests that most people with multiple sclerosis (MS) in the United States have health insurance. However, little is known about their coverage or how it differs between public and private insurance. We examined whether the perceived change in health insurance coverage from the previous year differs between individuals with MS who are privately insured compared with those who are publicly insured. Methods: We present descriptive statistics and odds ratios (ORs) from a multivariate logistic regression using data from the 2009 wave of the Sonya Slifka Longitudinal Multiple Sclerosis Study. Results: We found that individuals with Medicare were significantly less likely to perceive worse coverage compared with those with private health insurance (OR = 0.53; P < .01). Individuals aged 55 to 64 years were more likely to perceive worse coverage than those aged 18 to 34 years (OR = 2.5; P < .05), while the odds of perceiving worse coverage were significantly lower for individuals who had been diagnosed more than 15 years previously relative to those diagnosed in the past 2 years (OR = 0.48; P < .05). Conclusions: Individuals with MS and other chronic illnesses who can choose between public and private insurance should be aware that there are important differences in perceptions of health insurance coverage between publicly and privately insured individuals.

Autism and Families' Financial Burden: The Association With Health Insurance Coverage

2015 ◽  
Vol 120 (2) ◽  
pp. 166-175 ◽  
Author(s):  
Susan L. Parish ◽  
Kathleen C. Thomas ◽  
Christianna S. Williams ◽  
Morgan K. Crossman
Keyword(s):  
Health Insurance ◽  
Medical Expenditure Panel Survey ◽  
Financial Burden ◽  
Private Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Autism Spectrum ◽  
Medical Expenditure ◽  
Outpatient Services ◽  
Raising Children

Abstract We examined the relationship between family financial burden and children's health insurance coverage in families (n  =  316) raising children with autism spectrum disorders (ASD), using pooled 2000–2009 Medical Expenditure Panel Survey data. Measures of family financial burden included any out-of-pocket spending in the previous year, and spending as a percentage of families' income. Families spent an average of $9.70 per $1,000 of income on their child's health care costs. Families raising children with private insurance were more than 5 times as likely to have any out-of-pocket spending compared to publicly insured children. The most common out-of-pocket expenditure types were medications, outpatient services, and dental care. This study provides evidence of the relative inadequacy of private insurance in meeting the needs of children with ASD.

Welfare Reform and the Health Insurance Coverage of Women and Children

2005 ◽  
Vol 8 (1) ◽  
Author(s):  
John H Cawley ◽  
Mathis Schroeder ◽  
Kosali Ilayperu Simon
Keyword(s):  
Health Insurance ◽  
Welfare Reform ◽  
Personal Responsibility ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Program Participation ◽  
Percent Increase ◽  
Before And After ◽  
Women And Children ◽  
The Difference

There is tremendous interest in understanding the effects of welfare reform enacted by the Personal Responsibility and Work Opportunity Reconciliation Act of 1996. Our interest lies in one possible consequence of welfare reform: the loss of health insurance.This paper advances the literature by utilizing the 1992-1996 panels of the Survey of Income and Program Participation, matching type of insurance coverage to the presence of waivers from AFDC or TANF implementation in each state in specific months. We utilize a difference in differences method. Specifically, we estimate the difference before and after welfare reform in the insurance coverage of women and children who were likely to be eligible for welfare compared to those who were likely to be ineligible for welfare.We find that AFDC waivers prior to 1996 and the implementation of TANF after 1996 raised the probability that welfare-eligible women lack health insurance coverage. Specifically, TANF implementation is associated with a 7.8 percent increase in the probability that a welfare-eligible woman was uninsured. Welfare reform had less of an impact on the health insurance coverage of children. We find no evidence that AFDC waivers increased the probability that welfare-eligible children were uninsured. However, TANF implementation was associated with a 2.8 percent increase in the probability that a welfare-eligible child lacked health insurance.

Transitional Subsidies for Health Insurance Coverage

2001 ◽  
Vol 38 (2) ◽  
pp. 225-231 ◽  
Author(s):  
Jonathan Gruber
Keyword(s):  
Health Insurance ◽  
Private Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Recent Past ◽  
Waiting Period ◽  
Low Incomes ◽  
Loan Program ◽  
The Cost

Losing or leaving a job often means losing health insurance. Of all those who have lost private insurance and become uninsured, one-third have either left or lost a job in the recent past. Continuation of coverage subsidies under the Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 mitigate only slightly this problem due to the high costs of the group coverage that must be purchased. This paper discusses a proposal to build on the successes of COBRA to extend insurance to this important population. The key components are: a doubling of the length of COBRA entitlement to 36 months; eligibility for workers in all firms, not just those with more than 20 employees, but with a waiting period of one to two years; the establishment of a new COBRA-LOAN program that would offer government loans to help enrollees pay the cost of COBRA while they searched for new opportunities; and forgiveness of repayments after the entitlement period for those with low incomes.

scholarly journals Problems of health insurance coverage and health care in the United States: public and private solution strategies

1992 ◽  
Vol 8 (3) ◽  
pp. 270-286
Author(s):  
E. Richard Brown
Keyword(s):  
United States ◽  
Health Care ◽  
Health Insurance ◽  
Private Insurance ◽  
Insurance Coverage ◽  
Health Care Financing ◽  
Health Insurance Coverage ◽  
The United States ◽  
Political Debate ◽  
Financing System

A nearly universal consensus has developed in the United States that the current health care financing system is a failure. The system has been unable to control the continuing rapid rise in health care costs (by far, the highest in the world), and it has been unable to stem the growing population that has no health insurance coverage (at least 36 million people). There is nearly universal political agreement that government must provide health insurance to a far greater share of the population than ever before. The political debate now focuses on whether this expanded government role should supplement the private insurance system with an enlarged public program covering those left out of private insurance coverage, or replace private insurance with a universal government health insurance program covering the entire population.

Accuracy in Self-Reported Health Insurance Coverage among Medicaid Enrollees

2008 ◽  
Vol 45 (4) ◽  
pp. 438-456 ◽  
Author(s):  
Kathleen Thiede Call ◽  
Gestur Davidson ◽  
Michael Davern ◽  
E. Richard Brown ◽  
Jennifer Kincheloe ◽  
...  
Keyword(s):  
Health Insurance ◽  
Multivariate Analyses ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Insurance Status ◽  
Related Factors ◽  
Reporting Error ◽  
Reported Health

The largest portion of the Medicaid undercount is caused by survey reporting error—that is, Medicaid recipients misreport their enrollment in health insurance coverage surveys. In this study, we sampled known Medicaid enrollees to learn how they respond to health insurance questions and to document correlates of accurate and inaccurate reports. We found that Medicaid enrollees are fairly accurate reporters of insurance status and type of coverage, but some do report being uninsured. Multivariate analyses point to the prominent role of program-related factors in the accuracy of reports. Our findings suggest that the Medicaid undercount should not undermine confidence in survey-based estimates of uninsurance.

Financing and Insurance

2018 ◽  
Author(s):  
Samuel H Zuvekas ◽  
Earle Buddy Lingle ◽  
Ardis Hanson ◽  
Bruce Lubotsky Levin
Keyword(s):  
Public Health ◽  
United States ◽  
Health Insurance ◽  
Insurance Coverage ◽  
Healthcare Providers ◽  
Health Insurance Coverage ◽  
Healthcare Services ◽  
Safety Net ◽  
The United States ◽  
Public And Private

The complexity of US healthcare systems is staggering. In 2015, Americans spent approximately $3.7 trillion on healthcare, averaging almost $10,000 per person. Further, Americans rely on a mixture of public and private health insurance coverage to pay for the bulk of the healthcare services they receive. To provide a better understanding of the financing of healthcare in the United States, this chapter examines major government healthcare programs and funding. It begins with a look at the US public health insurance system and the healthcare “safety net,” comprised of a patchwork of public, private, and philanthropic providers and programs. The next sections look at how US insurers and families pay doctors, hospitals, nursing homes, and other healthcare providers to deliver services in the United States and how pharmacy services are financed in public health.

The Effect of Access to Post-Retirement Health Insurance on the Decision to Retire Early

ILR Review ◽  
1994 ◽  
Vol 48 (1) ◽  
pp. 103-123 ◽  
Author(s):  
Lynn A. Karoly ◽  
Jeannette A. Rogowski
Keyword(s):  
Health Insurance ◽  
Early Retirement ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Program Participation ◽  
Retirement Decision ◽  
Probit Models ◽  
Access To Health ◽  
Retirement Behavior ◽  
Using Data

The authors analyze the effect of the availability of post-retirement health insurance on early retirement behavior of men using data from the 1984, 1986, and 1988 panels of the Survey of Income and Program Participation (SIPP). They extend previous static models of retirement to account for access to health insurance as a factor in the retirement decision. The estimates from probit models of retirement during the SIPP panel period show that the offer of continued employer-provided health insurance coverage after retirement increased the likelihood of retirement before age 65. Also, the authors find evidence that the presence before retirement of retirement insurance coverage through a source in addition to the employer increased the likelihood of early retirement.

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