根据"负担得起的医疗保健法" (Affordable Care Act) 规定的私人个人保险的保险稳定性和覆盖率的变化
Steven C Hill1, Paul D Jacobs1
1Center for Financing, Access and Cost Trends, Agency for Healthcare Research and Quality, 5600 Fishers Lane, Mail Stop 07W41A, Rockville, MD 20857, United States.
负担得起的医疗保健法案 (ACA) 将非老年人的个人保险入学人数翻了一番. 这一改革加强了个人保险市场,为许多人提供了更长期的保险选择.
科学领域:
- 卫生政策 卫生政策
- 卫生经济学 卫生经济学
- 保险市场 保险市场 保险市场
背景情况:
- 可负担医疗法案 (ACA) 显著改变了个人医疗保险市场的格局.
- 了解ACA对个人保险入学和保险期限的影响对于评估其有效性至关重要.
研究的目的:
- 量化ACA实施后非老年人成年人个人保险入学率的变化.
- 检查ACA之前和之后的个别保险覆盖期的持续时间.
- 评估ACA在加强个人保险市场方面的作用.
主要方法:
- 利用了2002-2022年医疗支出小组调查 (家庭组件) 的两年面板数据.
- 运用了对商业周期和其他相关因素的统计控制.
- 在非老年人中分析了个人保险入学比例和持续时间的变化.
主要成果:
- 在个人保险中注册的非老年人的比例在ACA实施后翻了一番.
- 医疗保险的持续时间增加,在1-23个月之间的病期增加了一倍多,在非医疗补助扩展州,至少24个月的病期增加了80%.
- 大多数新加入的人以前没有保险,ACA促进了更长的保险周期,而不是增加短期的保险周期.
结论:
- ACA显然加强了个人保险市场的作用.
- 该立法主要通过个人市场加强了长期保险,使那些从无保险转型的人受益.
- 个人保险对于无法参加公共计划的个人和弥合保险差距至关重要.
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