医疗保险覆盖范围在高住房成本家庭中根据"可负担医疗法案"的变化,2010-18年
Health economics
|November 14, 2024
概括
负担得起的医疗保健法案 (ACA) 增加了租金负担和非租金负担的家庭的医疗补助入学率. 负担住房租金的家庭在医疗补助计划的使用率上升,而其他保险类型的使用率下降.
科学领域:
- 卫生政策与经济 卫生政策与经济
- 公共卫生 公共卫生
- 健康的社会经济决定因素
背景情况:
- 可负担医疗法案 (ACA) 的目的是扩大医疗保险覆盖范围.
- 租金负担,定义为支出>30%的收入租金,是一个重要的社会经济压力.
- 了解弱势群体的保险覆盖差异对于有效的政策至关重要.
研究的目的:
- 分析ACA对负租金家庭与非负租金家庭医疗保险覆盖的影响.
- 调查 ACA 对医疗补助入学和其他保险类型的差异影响.
- 确定特定的人口群体和国家特征,以缓解这些影响.
主要方法:
- 使用了美国社区调查 (ACS) 的数据.
- 使用回归分析来比较负租家庭和无负租户之间的保险覆盖率.
- 根据家庭收入和人口特征进行控制.
主要成果:
- 在ACA扩张州的家庭中,住房租金负担的家庭增加了8.88个百分点,而非住房租金负担的家庭增加了7.54个百分点.
- 负担住房租金的家庭有1.5个百分点更高的医疗补助入学可能性,同时雇主赞助的保险 (0.7个百分点) 和直接购买的保险 (1.0个百分点) 减少.
- 这些影响在26岁以上的个人和没有国家管理的交易所的州中更为显著.
结论:
- ACA显著影响了医疗保险覆盖范围,基于住房负担能力产生了显著的差异性影响.
- 定制的医疗补助政策对于支持面临住房负担的家庭至关重要,特别是那些没有资格获得住房援助的家庭.
- 政策干预应考虑住房不稳定性和医疗保险获取之间的相互作用.
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