65岁时的医疗保险资格对具有和没有功能障碍的个体的影响
Sungchul Park1,2, Jim P Stimpson3
1Department of Health Policy and Management, College of Health Science, Korea University, Seoul, Republic of Korea. sungchul_park@korea.ac.kr.
Journal of general internal medicine
|October 4, 2024
概括
65岁时的医疗保险减少了财务负担,特别是对于那些有功能障碍的人来说. 然而,公平获得护理仍然是这个群体面临的挑战,需要制定政策.
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
- 老年学是一门学科.
背景情况:
- 65岁时的医疗保险资格提高了普通人口的医疗保健准入和负担能力.
- 医疗保险对有或没有功能障碍的人的差异影响尚不清楚.
研究的目的:
- 调查65岁时的医疗保险资格如何影响医疗保险覆盖,财务护理负担和获得医疗服务.
- 为了比较具有和没有功能障碍的个体之间的这些影响.
主要方法:
- 使用回归不连续性设计,利用65岁的医疗保险资格切线.
- 从2014-2021年医疗支出小组调查中分析了19,876名没有功能障碍的个人和8376名功能障碍者 (年龄为59-71岁) 的数据.
- 评估了保险覆盖,自费支出,成本共享,医疗费用支付和获得护理的变化.
主要成果:
- 医疗保险为所有人增加了保险覆盖范围,但对功能障碍者而言降低了医疗补助覆盖范围.
- 对于有功能障碍的人来说,财务负担减少得更为显著,自费支出和成本共享减少得更大.
- 虽然医疗保险减少了对没有功能障碍的人的延迟护理,但对于功能障碍的人来说没有明显的变化,他们仍然面临有限的护理机会.
结论:
- 医疗保险的覆盖面大大减轻了财务压力,特别是对于功能障碍的人来说.
- 有针对性的政策至关重要,以确保具有功能障碍的个人在医疗保险资格后获得公平的医疗保健.
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