Download or read book Tracking Health Insurance Coverage by Month written by Paul Fronstin and published by . This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is a strong link between health benefits and employment. As a result, employment-based health benefits are the most common form of health insurance for nonpoor and nonelderly individuals in the United States. In 2009, 59 percent of nonelderly individuals were covered by an employment-based health benefits plan, with 68.2 percent of workers covered, 34.6 percent of nonworking adults covered, and 55.8 percent of children covered. Since the 1980s, the percentage of individuals without health insurance coverage has generally been increasing, in large part because rising health benefit costs eroded employment-based coverage. However, for a few years during the late 1990s, the percentage of workers and their families with employment-based coverage increased and the percentage without health insurance declined, in large part due to the strong economy and low unemployment. While the percentage of workers with coverage has ebbed and flowed with the economy and health care costs, trends in the percentage of workers offered coverage and the percentage of workers taking coverage when offered have remained steady. Prior research had shown that the percentage of workers offered health benefits had been increasing, but the take-up rate had been declining. The purpose of this paper is to examine the state of employment-based health benefits. Coverage rates are examined on a monthly basis from December 1995 to December 2009. This analysis updates prior EBRI research that examined trends in coverage on a monthly basis over this time period. Examining these data on a monthly basis allows more accurate identification of changes in trends, and can also more clearly indicate the effects of recessions and unemployment on changes in coverage. Trends in offer rates and reasons for being uninsured among uninsured workers are also examined. The PDF for the above title, published in the June 2011 issue of EBRI Notes, also contains the fulltext of another June 2011 EBRI Notes article abstracted on SSRN: “How Changes in Longevity Annuity Prices and Longevity Risk Affect Retirement Income Adequacy.”
Download or read book Care Without Coverage written by Institute of Medicine and published by National Academies Press. This book was released on 2002-06-20 with total page 213 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.
Download or read book Tracking Health Insurance Coverage by Month written by Paul Fronstin and published by . This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Prior research has shown that both the offer rate (the percentage of workers offered health benefits) and the take-up rate have both been declining. However, there is still a strong link between health benefits and employment. As a result, employment-based health benefits remain the most common form of health insurance for nonpoor and nonelderly individuals in the United States. In 2011, 58.4 percent of nonelderly individuals (under age 65) were covered by an employment-based, health-benefits plan, including 68.3 percent of workers, 34.7 percent of nonworking adults, and 54.7 percent of children. This analysis examines the recent state of employment-based health benefits, updating prior research by the Employee Benefit Research Institute (EBRI) that examined trends in coverage on a monthly basis over the time period of December 1995 to July 2011. This paper extends the analysis to March 2012. Examining these data on a monthly basis allows more accurate identification of changes in trends and can also more clearly indicate the effects of recession and employment on changes in coverage. Trends in offer rates and reasons for being uninsured among uninsured workers are also examined. Between December 2007 and August 2009, the percentage of workers with coverage in their own names fell from 60.4 percent to 55.9 percent. After August 2009, there appeared to be the beginning of a recovery in the percentage of workers with employment-based coverage, and by December 2009, 56.6 percent of workers had employment-based coverage. However, by October 2011, the coverage had slipped back to 54.7 percent. Most uninsured workers reported that they did not have coverage because of cost: 70-90 percent over the December 1995-March 2012 period. The percentage of uninsured workers reporting that they were not offered employment-based health benefits was roughly 40 percent from the mid-1990s through 2003, but has been falling since, reaching 22.4 percent by the end of 2011. The PDF for the above title, published in the July 2013 issue of EBRI Notes, also contains the fulltext of another July 2013 EBRI Notes article abstracted on SSRN: “Decisions, Decisions: Choices That Affect Retirement Income Adequacy -- EBRI's 72nd Policy Forum”
Download or read book Tracking Health Insurance Coverage by Month written by Paul Fronstin and published by . This book was released on 2010 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines employment-based health benefit coverage rates on a monthly basis from December 1995 to March 2009, to allow for more accurate identification of changes in trends, and to more clearly show the effects of recessions and unemployment on changes in coverage. Between December 2007-May 2008, the percentage of workers with coverage in their own name fell from 60.4 percent to 56.8 percent. The recession officially started in December 2007. The period between May 2008-March 2009 shows a continuing decline in the percentage of workers with employment-based coverage in their own name, falling to 55.7 percent by March 2009. Unlike the December 2007-December 2009 period, which saw a drop in employment-based coverage, the recession of 2001 produced very little change in coverage. The likelihood of a worker being uninsured is tied to the strength of the economy and the unemployment rate, but uninsured workers reported multiple reasons for not having coverage. Most workers reported that they did not have coverage because of cost, and those doing so ranged from 70 percent to 90 percent over the December 1995-March 2009 period. The percentage of uninsured workers reporting that they were not offered employment-based health benefits was roughly 40 percent through 2003, and has been falling since then, reaching 24 percent in early 2009. Although the link between health insurance coverage and employment has long been known, these data underscore the degree to which employment (or, more significantly, unemployment) rates directly affect the levels of the uninsured in the United States. The PDF for the above title, published in the March 2010 issue of EBRI Notes, also contains the fulltext of another March 2010 EBRI Notes article abstracted on SSRN: “Employment Status of Workers Ages 55 or Older, 1987-2008.”
Download or read book Health Benefits Coverage Under Federal Law written by and published by . This book was released on 2010 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Health Insurance is a Family Matter written by Institute of Medicine and published by National Academies Press. This book was released on 2002-09-18 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt: Health Insurance is a Family Matter is the third of a series of six reports on the problems of uninsurance in the United Sates and addresses the impact on the family of not having health insurance. The book demonstrates that having one or more uninsured members in a family can have adverse consequences for everyone in the household and that the financial, physical, and emotional well-being of all members of a family may be adversely affected if any family member lacks coverage. It concludes with the finding that uninsured children have worse access to and use fewer health care services than children with insurance, including important preventive services that can have beneficial long-term effects.
Download or read book Estimates of Health Insurance Coverage in the Community Tracking Study and the Current Population Survey written by Margo L. Rosenbach and published by . This book was released on 1998 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Uninsured in the United States written by David Mikkelsen and published by Nova Biomedical Books. This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The total U.S. civilian non-institutionalized population in 2009 was estimated to be slightly more than 301 million, of whom 15.1 per cent or 45.5 million, were estimated by the American Community Survey to be without health insurance or uninsured. The uninsured are far more likely than those with health insurance to report problems getting needed medical care, less likely to follow recommended treatments because of costs, have less access to care, receive less preventive care, and are more likely to be hospitalized for avoidable health problems. Moreover, it is widely believed that the uninsured, when they need care, are less able to pay for their care since they do not have health insurance. Therefore, it also can be further assumed that other payers take on the financial burden of their care through higher prices. This book examines the plight of the uninsured in the United States today, by State and Congressional District.
Download or read book America s Children written by Institute of Medicine and National Research Council and published by National Academies Press. This book was released on 1998-10-27 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: America's Children is a comprehensive, easy-to-read analysis of the relationship between health insurance and access to care. The book addresses three broad questions: How is children's health care currently financed? Does insurance equal access to care? How should the nation address the health needs of this vulnerable population? America's Children explores the changing role of Medicaid under managed care; state-initiated and private sector children's insurance programs; specific effects of insurance status on the care children receive; and the impact of chronic medical conditions and special health care needs. It also examines the status of "safety net" health providers, including community health centers, children's hospitals, school-based health centers, and others and reviews the changing patterns of coverage and tax policy options to increase coverage of private-sector, employer-based health insurance. In response to growing public concerns about uninsured children, last year Congress voted to provide $24 billion over five years for new state insurance initiatives. This volume will serve as a primer for concerned federal policymakers and regulators, state agency officials, health plan decisionmakers, health care providers, children's health advocates, and researchers.
Download or read book Medicaid Eligibility Quality Control written by United States. Social and Rehabilitation Service and published by . This book was released on 1975 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Tracking Medicine written by John E. Wennberg and published by Oxford University Press. This book was released on 2010-08-26 with total page 341 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written by a groundbreaking figure of modern medical study, Tracking Medicine is an eye-opening introduction to the science of health care delivery, as well as a powerful argument for its relevance in shaping the future of our country. An indispensable resource for those involved in public health and health policy, this book uses Dr. Wennberg's pioneering research to provide a framework for understanding the health care crisis; and outlines a roadmap for real change in the future. It is also a useful tool for anyone interested in understanding and forming their own opinion on the current debate.
Download or read book Access to Health Care in America written by Institute of Medicine and published by National Academies Press. This book was released on 1993-02-01 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: Americans are accustomed to anecdotal evidence of the health care crisis. Yet, personal or local stories do not provide a comprehensive nationwide picture of our access to health care. Now, this book offers the long-awaited health equivalent of national economic indicators. This useful volume defines a set of national objectives and identifies indicatorsâ€"measures of utilization and outcomeâ€"that can "sense" when and where problems occur in accessing specific health care services. Using the indicators, the committee presents significant conclusions about the situation today, examining the relationships between access to care and factors such as income, race, ethnic origin, and location. The committee offers recommendations to federal, state, and local agencies for improving data collection and monitoring. This highly readable and well-organized volume will be essential for policymakers, public health officials, insurance companies, hospitals, physicians and nurses, and interested individuals.
Download or read book The Impact of Health Insurance Status on Treatment Intensity and Health Outcomes written by and published by . This book was released on 2007 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper uses the abrupt changes in health insurance coverage at age 65 arising from the Medicare program eligibility rules to evaluate the impact of insurance status on treatment intensity and health outcomes. Drawing from several million hospital discharge records for the State of California, the authors begin by identifying a subset of patients who are admitted through the emergency room for non-deferrable conditions-diagnoses with the same daily admission rates on weekends and weekdays. Among this subset of patients there is no discernable rise in the number of admissions at age 65, suggesting that the severity of illness is similar for patients who are just under 65 and those who are just over 65. The fraction of patients in this group who lack health insurance, however, falls sharply at age 65, while the proportion with Medicare as their primary insurer rises. Tracking health-related outcomes of the group, they find significant increases in treatment intensity at the age 65 barrier, including increases in the number of procedures performed, and total list charges. They also find a rise in the probability that patients are transferred to other units within the same hospital, coupled with a reduction in the probability of discharge to home. Finally, they estimate a drop in the rate of re-admission within one month of the initial discharge.
Download or read book Health Insurance Handbook written by Hong Wang and published by World Bank Publications. This book was released on 2012-01-18 with total page 141 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many countries that subscribe to the Millennium Development Goals (MDGs) have committed to ensuring access to basic health services for their citizens. Health insurance has been considered and promoted as the major financing mechanism to improve access to health services, as well to provide financial risk protection.
Download or read book Medical and Dental Expenses written by and published by . This book was released on 1990 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Hidden Costs Value Lost written by Institute of Medicine and published by National Academies Press. This book was released on 2003-06-19 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: Hidden Cost, Value Lost, the fifth of a series of six books on the consequences of uninsurance in the United States, illustrates some of the economic and social losses to the country of maintaining so many people without health insurance. The book explores the potential economic and societal benefits that could be realized if everyone had health insurance on a continuous basis, as people over age 65 currently do with Medicare. Hidden Costs, Value Lost concludes that the estimated benefits across society in health years of life gained by providing the uninsured with the kind and amount of health services that the insured use, are likely greater than the additional social costs of doing so. The potential economic value to be gained in better health outcomes from uninterrupted coverage for all Americans is estimated to be between $65 and $130 billion each year.
Download or read book An Employee s Guide to Health Benefits Under COBRA written by and published by . This book was released on 2010 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:
