教育和财务知识在与健康相关的财务决策中
1University of North Texas at Dallas, Dallas, TX, USA.
概括
高等教育和财务知识改善了医疗保险的获得,并减少了医疗债务. 专业知识对于复杂的健康财务决策至关重要,影响身体和财务福祉.
科学领域:
- 卫生经济学 卫生经济学
- 公共卫生政策 公共卫生政策
- 金融素养 金融素养
背景情况:
- 美国高昂的医疗保健费用需要复杂的财务决策,影响患者的健康.
- 有限的健康素养和财务知识可以导致不理想的选择,造成健康和财务负面影响.
- 医疗保健和家庭财务的交集凸显了教育干预的必要性.
研究的目的:
- 检查教育,财务知识和与健康有关的财务决策之间的关系.
- 评估财务能力对医疗保险覆盖,医疗债务和成本避免的影响.
- 识别与健康相关的财务决策中的差异.
主要方法:
- 利用了金融行业监管局 (FINRA) 财务能力调查的数据.
- 采用二项式逻辑回归分析.
- 研究了客观和主观知识在与健康有关的财务决策中的作用.
主要成果:
- 更高的教育和财务知识与更高的医疗保险购买率相关.
- 高等教育和财务知识与减少医疗债务和减少成本回避有关.
- 显著的收入差异仍然存在,特别是影响中等收入人群.
结论:
- 一般教育和财务知识可以积极影响健康结果和财务健康.
- 面临复杂医疗保健财务决策的个人可能需要超越普通教育的专业知识.
- 提高客观和主观知识是提高患者财务和身体健康结果的关键.
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