Coverage Matters: Insurance and Health Care by Committee on the Consequences of Uninsurance, Board on

By Committee on the Consequences of Uninsurance, Board on Health Care Services, Institute of Medicine

Approximately forty million american citizens haven't any medical health insurance, deepest or public, and the quantity has grown gradually over the last 25 years. who're those little ones, girls, and males, and why do they lack assurance for crucial well-being care providers? How does the method of insurance within the U.S. function, and the place does it fail? the 1st of six Institute of drugs studies that might study intimately the implications of getting a wide uninsured inhabitants, "Coverage issues: assurance and future health Care", explores the myths and realities of who's uninsured, identifies social, monetary, and coverage components that give a contribution to the placement, and describes the chance confronted by means of participants of assorted inhabitants teams of being uninsured. It serves as a consultant to a extensive variety of matters concerning the shortcoming of insurance in the US and offers heritage facts of use to coverage makers and well-being providers researchers.

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S. uninsured population to immigrants who arrived in the country between 1994 and 1998 (Camarota and Edwards, 2000). , 2001). In fact, there has been a net decrease in the number of recently arrived immigrants since 1994 (Holahan et Copyright © National Academy of Sciences. All rights reserved. , 2001). Overall, noncitizens account for fewer than one in five uninsured persons (Mills, 2000). Myths and Policy Making Popular confusion about the facts of health insurance coverage and its importance can hamper effective policy making, as can policy makers’ uncertainty about the interpretation of coverage trends and consequences.

Because women are more likely to obtain coverage through individual policies and public programs, their insurance status tends to be less stable, with more opportunities for gaps in coverage (Miles and Parker, 1997; Fronstin, 2000b). Geographic Differences Affect Coverage The decentralized labor and health services markets of the United States and the distinctive public policies of each state and locality together create unique contexts for the patterns of insurance coverage for individuals, families, and population groups.

Copyright © National Academy of Sciences. All rights reserved. html THE DYNAMICS OF HEALTH INSURANCE COVERAGE 37 of working families (roughly 40 million people) are not offered health insurance by the employer of the family’s primary wage earner (Custer and Ketsche, 2000b, using 1996 data from the Medical Expenditure Panel Survey). Among those who decline a workplace offer of insurance (17 percent), only about a quarter remain uninsured because most obtain coverage through a spouse’s policy.

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