Impact of Health Plan Deductibles and Health Insurance Marketplace Enrollment on Health Care Experiences

2018 ◽  
Vol 77 (5) ◽  
pp. 483-497
Author(s):  
Weiwei Chen ◽  
Timothy F. Page
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
The United States ◽  
Health Plans ◽  
Medical Needs ◽  
Care Access ◽  
Health Care Experiences ◽  
Monitoring Survey ◽  
Using Data ◽  
The Impact

High-deductible health plans (HDHPs) have become increasingly prevalent among employer-sponsored health plans and plans offered through the Health Insurance Marketplace in the United States. This study examined the impact of deductible levels on health care experiences in terms of care access, affordability, routine checkup, out-of-pocket cost, and satisfaction using data from the Health Reform Monitoring Survey. The study also tested whether the experiences of Marketplace enrollees differed from off-Marketplace individuals, controlling for deductible levels. Results from multivariable and propensity score weighted regression models showed that many of the outcomes were adversely affected by deductible levels and Marketplace enrollment. These results highlight the importance of efforts to help individuals choose the plan that fits both their medical needs and their budgets. The study also calls for more attention to improving provider acceptance of HDHPs and Marketplace plans as these plans become increasingly common over time.

Health Care, Health Insurance, and the Distribution of American Incomes

2010 ◽  
Vol 13 (1) ◽  
Author(s):  
Gary Burtless ◽  
Pavel Svaton
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Panel Study ◽  
The United States ◽  
Medical Expenditure ◽  
Cash Income ◽  
Health Coverage ◽  
Money Income ◽  
Health Care Consumption ◽  
The Impact

Cash income offers an incomplete picture of the resources available to finance household consumption. Most American families are covered by an insurance plan that pays for some or all of the health care they consume. Only a comparatively small percentage of families pays for the full cost of this insurance out of their cash incomes. As health care has claimed a growing share of consumption, the percentage of care that is financed out of household incomes has declined. Because health care consumption is more important for some groups in the population than others, the growth in spending and changes in the payment system for medical care have reduced the value of standard income measures for assessing relative incomes of the rich and poor and the young and old. More than a seventh of total personal consumption now consists of health care that is purchased with government insurance and employer contributions to employee health plans. This paper combines health care spending and insurance reimbursement data in the Medical Expenditure Panel Study and money income and health coverage data in the Current Population Survey to assess the impact of health insurance on the distribution of income. Our estimates imply that gross money income significantly understates the resources available to finance household purchases. The estimates imply that a more complete measure of resources would show less inequality than the income measures that are currently used. The addition of estimates of the value of health insurance to countable incomes reduces measured inequality in the population and the income gap between young and old. If the analysis were extended over a longer period, it would show a sizeable impact of insurance on inequality trends in the United States.

scholarly journals Modeling a Bridge When Survey Questions Change: Evidence from the Current Population Survey Health Insurance Redesign

2019 ◽  
Vol 35 (1) ◽  
pp. 189-202
Author(s):  
Brett O’Hara ◽  
Carla Medalia ◽  
Jerry J. Maples
Keyword(s):  
Health Insurance ◽  
Current Population Survey ◽  
Time Trend ◽  
Population Survey ◽  
The United States ◽  
Community Survey ◽  
Historical Time ◽  
Current Population ◽  
Using Data ◽  
The Impact

Abstract Most research on health insurance in the United States uses the Current Population Survey Annual Social and Economic Supplement. However, a recent redesign of the health insurance questions disrupted the historical time trend in 2013. Using data from the American Community Survey, which has a parallel trend in the uninsured rate, we model a bridge estimate of the uninsured rate using the traditional questions. Also, we estimate the effect of changing the questionnaire. We show that the impact of redesigning the survey varies substantially by subgroup. This approach can be used to produce bridge estimates when other questionnaires are redesigned.

scholarly journals Access to Health Insurance and Health Care for Hispanic Children in the United States

2021 ◽  
Vol 696 (1) ◽  
pp. 223-244
Author(s):  
Krista M. Perreira ◽  
Chenoa D. Allen ◽  
Jonathan Oberlander
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Health Care Utilization ◽  
Health Care Access ◽  
Preventive Health Services ◽  
The United States ◽  
Medical Services ◽  
Care Utilization ◽  
Hispanic Children ◽  
Medical Needs

Health insurance gives families access to medical services and protects them against the costs of illness and medical treatment. Insured children are more likely than their uninsured peers to use medical services, preventive health services, have a usual source of care, and have fewer unmet medical needs. In this article, we review trends in health insurance coverage for Hispanic children and the factors that influence their coverage. We then discuss health care utilization among Hispanic children and barriers to health care utilization. We conclude with a discussion of strategies to improve Hispanic children’s health care access in the age of COVID-19.

The Impact of Binational Barriers to Medical Care on the Care-Seeking Practices of Mexican Immigrants

2021 ◽  
pp. 104973232199204
Author(s):  
Rebecca M. Crocker
Keyword(s):  
United States ◽  
Health Care ◽  
Medical Care ◽  
Health Care Access ◽  
Mexican Immigrants ◽  
The United States ◽  
Care Utilization ◽  
Care Seeking ◽  
Care Access ◽  
The Impact

Barriers to health care access faced by Mexican immigrants in the United States have been well-documented, including lack of insurance, fear of deportation, and language barriers. However, little is known about this population’s care-seeking experiences before migration. In this article, I use a life-course approach to explore binational isolation from health care and the ways in which early-life experiences pattern Mexicans’ care-seeking practices in the United States. This ethnographic research project took place in Tucson, Arizona, between 2013 and 2014 and used semistructured interviews with service providers and first-generation Mexican immigrants. The majority of participants faced significant barriers to medical care in Mexico, which resulted in low rates of care utilization and heavy reliance on lay modalities. Immigrants faced an even broader array of barriers to care in the United States, and their lack of prior health care access further discouraged care utilization and compromised their medical care experiences after migration.

Does Lack of Health Insurance Mediate the Relationship Between Employment Hardships and Unmet Health Care Needs Among Single Mothers?

2015 ◽  
Vol 38 (16) ◽  
pp. 2227-2253
Author(s):  
Chi-Fang Wu ◽  
Mary Keegan Eamon ◽  
Ming-Sheng Wang
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Single Mothers ◽  
National Sample ◽  
Care Needs ◽  
Health Care Reforms ◽  
The Great Recession ◽  
Care Access ◽  
Using Data ◽  
Dental Needs

Using data from a national sample of 451 single mothers collected 24 months during and after the Great Recession, this study tested four hypotheses related to comprehensive measures of employment problems, number of months without health insurance, and unmet medical or dental needs. The results indicate positive relationships between employment problems and unmet medical or dental needs, employment problems and lacking health insurance, and lacking health insurance and unmet medical or dental needs. Most important, lack of health care coverage significantly reduced the relationships between unemployment (by 26%) and underemployment (by 56%) and unmet medical or dental needs. These results indicate that lack of health insurance at least partially mediates the effects of employment problems on single mothers experiencing an unmet medical or dental need. The findings have implications for these mothers’ medical and dental care access, which are discussed within the context of the recent health care reforms.

The Special Perils of Being Old and Sick in Prison

2020 ◽  
Vol 32 (5) ◽  
pp. 276-284
Author(s):  
William J. Jefferson
Keyword(s):  
United States ◽  
Health Care ◽  
Medical Care ◽  
Health Care Providers ◽  
The United States ◽  
United States Constitution ◽  
Care Providers ◽  
Medical Practitioners ◽  
Medical Needs ◽  
Access To Medical Care

The United States Supreme Court declared in 1976 that deliberate indifference to the serious medical needs of prisoners constitutes the unnecessary and wanton infliction of pain…proscribed by the Eighth Amendment. It matters not whether the indifference is manifested by prison doctors in their response to the prisoner’s needs or by prison guards intentionally denying or delaying access to medical care or intentionally interfering with treatment once prescribed—adequate prisoner medical care is required by the United States Constitution. My incarceration for four years at the Oakdale Satellite Prison Camp, a chronic health care level camp, gives me the perspective to challenge the generally promoted claim of the Bureau of Federal Prisons that it provides decent medical care by competent and caring medical practitioners to chronically unhealthy elderly prisoners. The same observation, to a slightly lesser extent, could be made with respect to deficiencies in the delivery of health care to prisoners of all ages, as it is all significantly deficient in access, competencies, courtesies and treatments extended by prison health care providers at every level of care, without regard to age. However, the frailer the prisoner, the more dangerous these health care deficiencies are to his health and, therefore, I believe, warrant separate attention. This paper uses first-hand experiences of elderly prisoners to dismantle the tale that prisoner healthcare meets constitutional standards.

Cyber Place Management and Crime Prevention: The Effectiveness of Cybersecurity Awareness Training Against Phishing Attacks

2021 ◽  
pp. 104398622110016
Author(s):  
Sinchul Back ◽  
Rob T. Guerette
Keyword(s):  
Crime Prevention ◽  
Research University ◽  
Management Strategies ◽  
Large Body ◽  
The United States ◽  
Place Management ◽  
Online Setting ◽  
Using Data ◽  
Virtual Domain ◽  
The Impact

Criminologists and crime prevention practitioners recognize the importance of geographical places to crime activities and the role that place managers might play in effectively preventing crime. Indeed, over the past several decades, a large body of work has highlighted the tendency for crime to concentrate across an assortment of geographic areas, where place management tends to be absent or weak. Nevertheless, there has been a paucity of research evaluating place management strategies and cybercrime within the virtual domain. The purpose of this study was to investigate the effectiveness of place management techniques on reducing cybercrime incidents in an online setting. Using data derived from the information technology division of a large urban research university in the United States, this study evaluated the impact of an anti-phishing training program delivered to employees that sought to increase awareness and understanding of methods to better protect their “virtual places” from cybercrimes. Findings are discussed within the context of the broader crime and place literature.

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