Module 2- Lecture 2

Public Affairs 201 with Courant at University of Michigan - Ann Arbor

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Created: 2009-10-27
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True or False: The problem of uninsurance is no longer continuing to grow?

FALSE: The problem of uninsurance is coninuing to grow

The federal government estimates that how many individuals lack health insurance coverage of any kind?

Over 45 million individuals

How many are uninsured for the entire year?

1. 40.9 million CPS (2001)
2. 32 million MEPS (Medical Expenditures Panels Survey)
3. 19.5 million SIPP (Survey of Income and Program Participation)
4. Hispanics, non-citizen immigrants, self-employed

How many were uninsured ever in the past year?

1. 60.8 MEPS
2. 64.2 SIPP
3. Children more likely in this category

_{How many are uninsured at this point in time?}

_{1. 44.8 MEPS
2. 41.4 SIPP}

Who is more likely to be uninsured?

1. Young adults
2. Those who are unemployed
3. People who work for smaller businesses
4. Those who are self-employed
5. Men

Why are men more likely to be uninsured than women?

Because women sometimes have more dependent children and can get insurance that men cannot

Adults of what ages are more likely to be uninsured?

Adults ages 25-34

Why are adults ages 24-34 more likely to be uninsured?

Because they are most likely to be booted off their parents plan, generally healthy so they don't want to buy insurance b/c they don't believe it's necessary, income effect (less money earned, less benefits as you start off in the job market), invincibility myth, limited income resources to pay for insurance

What percent of all uninsured are children?

Nearly 20%

Describe the pattern of the likelihood that a child is uninsured from 1998 until 2007

The likelihood that a child is uninsured fell from 14% in 1998 to 10.9% in 2004, it has since increased to 11.3% in 2007

Relative to their numbers in the overall population, members of racial and ethnic minority groups....

Make up a disproportionate amount of those uninsured

What are some factors that affect being uninsured?

1. Age
2. Race/ethnicity
3. Educational Attainment
4. Income and Poverty Status
5. Employment
6. Eligibility of Public Programs

True or False: Having a job, even a full-time job, does not guarantee access to health insurance?

TRUE

What amount of the uninsured people are eligible for some sort of public program but didn't apply or receive it?

About a quarter of the uninsured

What is the predominant source of coverage for the non-elderly population?

Employment-based health insurance

The percent of workers without health insurance increased from what to what?

From 15.9% in 1994 to 18.1% in 2007

True or False: Almost all employers with more than 200 workers offer health benefits?

TRUE (99% in 2008)

Only what percent of firms with 3-9 employees offered health insurance in 2008?

Only 49%

True or False: Almost half (49.1%) of all non-elderly, adult uninsured workers work in firms with fewer than 25 employees

TRUE

Premium

Price paid for health insurance

Deductible

1. Amount that must be paid out of pocket before insurer starts paying
2. Usually annual

Copayment

Amount that must be paid at time of service

Coinsurance

Percentage that must be paid of the cost of services

Co-Premium

Employee contribution

With a few exceptions, what change has been outpacing overall inflation in workers' earnings since the late 1980s?

The growth in health insurance premiums

True or False: Workers have been paying less per year for health benefits in the workplace

FALSE: Workers have been paying more per year for heath benefits in the workplace

Even thought workers have been paying more per year for health benefits in the workplace, what has happened to the price of premiums?

Even thought workers have been paying more per year for health benefits in the workplace, they continue to pay the same share of total premiums

What has occurred recently with out-of-pocket spending?

In recent years, individuals with health insurance coverage have experienced increases in out-of-pocket expenses for health care

True or False: Many patients are paying lower copayments for physician visits in HMO's?

FALSE: Many workers are paying higher copayments for physician visits in HMO's

What has happened to copayment levels for presecription drugs?

Copayment levels for prescription drugs have increased, and employers have added a fourth tier to the common three tier system

Who are the uninsured?

1. Depends on how you count them
2. More likely- low income, men, young adults, minorities, self-employed, non-citizen immigrants, employees of small firms
3. BUT includes- high income, women, all age groups, non-hispanic whites, employees of very large firms

Why are they uninsured?

1. Employer doesn't offer insurance (affordability)
2. Do not purchase insurance offered by employer (affordability)
3. Self-employed or no employment-linked insurance and do not purchase on individual market (affordability)
4. Do not enroll in public programs

About this deck

By: Lexi Smith
Created: 2009-10-27
Size: 33 flashcards
Views: 7

About StudyBlue

“Simply amazing. The flash cards are smooth, there are many different types of studying tools, and there is a great search engine. I praise you on the awesomeness.”
Dennis