保险流失和COVID-19的流行病
Sarah P Shubeck1, Emily Crawford2, Matthew J Notowidigdo2
1Department of Surgery, Biological Sciences Division, University of Chicago, Chicago, Illinois.
家庭第一冠状病毒响应法案显著降低了医疗保险流失率,特别是在医疗补助计划注册者身上. 这项立法防止了大约294万名医疗补助受益者在疫情期间每年失去医疗保险.
科学领域:
- 医疗保健服务研究 医疗服务研究
- 公共卫生政策 公共卫生政策
- 卫生经济学 卫生经济学
背景情况:
- 美国的医疗保险流失率仍然很高,即使是在"负担得起的医疗保健法案"之后.
- 医疗补助受益者特别容易失去医疗保险覆盖.
- 之前的研究表明,许多美国人有很大的保险不稳定风险.
研究的目的:
- 评估"家庭首次应对冠状病毒法案" (FFCRA) 对医疗保险流动的影响.
- 为了确定FFCRA是否减轻了医疗保险覆盖的损失,特别是在医疗补助计划注册者中.
主要方法:
- 利用准实验设计:中断时间序列和差异分析.
- 从事医疗支出小组调查 (2015-2022) 的个人级别数据.
- 对医疗补助和私人保险人实施FFCRA之前和之后的保险流失率进行比较.
主要成果:
- FFCRA与整体保险流失减少2.06个百分点有关.
- 由于FFCRA,医疗补助计划的流失率下降了5.51个百分点.
- 减少医疗补助计划的流失占保险流失总减少的65%.
结论:
- 据FFCRA证明,FFCRA对医疗保险损失有显著的保护作用.
- 如果没有FFCRA,估计每年有294万名医疗补助计划的人在COVID-19公共卫生紧急情况期间将失去覆盖范围.
- FFCRA在稳定弱势群体的医疗保险覆盖率方面发挥了关键作用.
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