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?
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?
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?
True or False: Almost half (49.1%) of all non-elderly, adult uninsured workers work in firms with fewer than 25 employees
Price paid for health insurance
1. Amount that must be paid out of pocket before insurer starts paying 2. Usually annual
Amount that must be paid at time of service
Percentage that must be paid of the cost of services
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
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