从2018年到2024年,患者偿还美国医院账单
Benedic Ippolito1, Erin Trish2, Erin L Duffy2
1American Enterprise Institute, Washington, DC.
JAMA health forum
|August 8, 2025
概括
患者的成本共享支付已经下降,导致个人医疗债务增加,医疗保健提供者收入短缺. 这一趋势凸显了保险计划设计和医疗债务管理的潜在问题.
科学领域:
- 卫生经济学 卫生经济学
- 医疗保健管理的管理
- 患者的财务经验.
背景情况:
- 近年来,患者的成本共享责任显著增加.
- 这种自费支出的增加给家庭带来了财务挑战,给医疗保健提供者带来了收费困难.
研究的目的:
- 分析近年来耐心偿还成本共享的趋势.
- 检查如何根据患者,医院和服务特征的偿还率有所不同.
主要方法:
- 一项横截面研究分析了2018年至2024年间来自217家美国医院的计费和支付数据.
- 这项研究包括3070万例私人保险和医疗保险优势的个人护理病例.
主要成果:
- 与医疗保险优势 (172.50美元) 相比,私人保险个人 (375.41美元) 的平均患者责任较高.
- 医疗费用共享的患者偿还率从大约53.9%的流行前降至近年来较低的水平.
- 最大的和最小的账单的还款率最低,中型账单的还款率最高.
结论:
- 患者的成本共享偿还不完整,并且随着时间的推移而减少,导致医疗债务和收入短缺.
- 调查结果表明,需要重新评估保险计划设计和医疗债务政策.
- 偿还持续下降可能会促使提供商寻求预付成本共享支付.
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