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Related Experiment Videos

Who are the underinsured?

P J Farley

    The Milbank Memorial Fund Quarterly. Health and Society
    |January 1, 1985
    PubMed
    Summary
    This summary is machine-generated.

    Many nonelderly Americans lack adequate health insurance, leaving them vulnerable to significant medical debt. This study identifies the underinsured population and highlights their widespread financial risks.

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    Area of Science:

    • Health Economics
    • Public Health Policy
    • Social Determinants of Health

    Background:

    • Inadequate health insurance coverage presents a significant risk for individuals and society.
    • Defining and identifying the underinsured population is crucial for policy development.
    • Existing insurance structures may not fully protect against substantial medical expenses.

    Purpose of the Study:

    • To define and empirically identify the population lacking adequate health insurance.
    • To analyze the distribution of financial burdens associated with inadequate insurance.
    • To inform policy interventions aimed at expanding insurance protection.

    Main Methods:

    • Utilized data from the National Medical Care Expenditure Survey (NMCES).
    • Applied various conceptualizations of financial risk and medical expense.

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  • Analyzed the nonelderly population's insurance status and exposure to large medical bills.

    • Main Results:

    • Over 25% of the nonelderly population lacks adequate protection against large medical bills.
    • The financial hardships faced by the underinsured are broadly distributed.
    • Inadequate insurance poses a substantial private burden across diverse demographic groups.

    Conclusions:

    • A significant portion of the nonelderly population is underinsured.
    • The financial consequences of inadequate insurance are widespread and affect many individuals.
    • Policy interventions are needed to address the public and private burdens of the underinsured.