从医疗补助扩展覆盖到医疗保险可能是一个繁重的过渡:一项定性研究
Susan L Hayes1, Mary E Byrnes2, Wendy Furst3
1Department of Health Services, Policy & Practice, Brown University, School of Public Health, Providence, RI, USA.
Journal of general internal medicine
|September 2, 2025
概括
从医疗补助扩展到医疗保险的老年人发现这种变化是不必要的,复杂的,经济繁重的,尤其是那些没有双重保险的人. 建议改善医疗补助资格和公正的医疗保险入学指导.
科学领域:
- 医疗服务研究
- 老年学
- 公共卫生政策
背景情况:
- 可负担医疗法案扩大了低收入成年人的医疗补助,但65岁的医疗保险资格可能会导致医疗补助的丧失.
- 这种转变可能会增加老年人的保险费和自费费用.
- 很少有人知道这些人如何应对医疗保险的重大变化.
研究的目的:
- 调查那些在医疗保险扩张中过年的人的经历.
- 了解与保险转型相关的挑战和结果.
主要方法:
- 使用半结构深度访谈进行的定性解释性描述性研究.
- 在密歇根州居住的65-71岁的30名参与者在2016-2022年间从医疗补助扩展到医疗保险.
- 数据被反复分析以确定参与者经验的描述性主题.
主要成果:
- 参与者认为这种转变是不必要的,
- 一个很大的部分 (19/30) 成为医疗保险,失去双重保险.
- 对于那些没有双重保险的人来说,
结论:
- 调查结果强调需要在65岁左右更好地调整医疗补助资格标准.
- 获得公正的医疗保险入学指导对于更顺的过渡至关重要.
- 政策考虑应解决这一群体面临的财务和后勤挑战.
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