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Insurance Coverage Disruption Among Children and Caregivers After Pediatric Hospitalization.

Erin F Carlton1,2,3, Rachel Parent4, Kao-Ping Chua2,3,5

  • 1Division of Pediatric Critical Care Medicine, Department of Pediatrics, University of Michigan Medical School, Ann Arbor, Michigan.

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This summary is machine-generated.

A child's hospitalization increases the risk of health insurance coverage disruption for both the child and their caregiver. This disruption is more pronounced in families with longer hospital stays or fewer insured caregivers.

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Area of Science:

  • Health Services Research
  • Pediatric Health
  • Insurance Studies

Background:

  • Health events can lead to disruptions in health insurance coverage.
  • Understanding the impact of pediatric hospitalizations on insurance continuity is crucial for privately insured families.

Purpose of the Study:

  • To estimate the association between a child's hospitalization and subsequent health insurance coverage disruption.
  • To analyze this association for both the child and their caregivers.

Main Methods:

  • Utilized the MarketScan Commercial Database (July 2016-June 2022) to identify hospitalized and matched non-hospitalized children (0-17 years).
  • Assessed health insurance coverage disruption in the 6 months post-discharge using multivariable logistic regression.
  • Conducted subgroup analyses based on length of stay, caregiver type, sex, and household insurance structure.

Main Results:

  • Hospitalized children (1.3 percentage points increase) and their caregivers (1.0 percentage points increase) experienced significantly higher rates of insurance coverage disruption compared to non-hospitalized controls.
  • The risk of coverage disruption was elevated for children with longer hospital stays and in households with only one insured caregiver.
  • Statistical significance was confirmed with P < .001 for both children and caregivers.

Conclusions:

  • Pediatric hospitalization is a significant risk factor for health insurance coverage disruption among privately insured children and their families.
  • This disruption may impact access to care for recently hospitalized children, particularly those in vulnerable subgroups.
  • Findings highlight the need for strategies to ensure insurance continuity following pediatric hospitalizations.