医疗保险储蓄计划的采用估计和注册和未注册个人的个人资料
Sarah Kotb1, Amanda Su2, Anna D Sinaiko3
1Economics Department, College of Social and Behavioral Science, University of Utah, Salt Lake City.
医疗保险储蓄计划 (MSP) 的入学率仍然很低,只有56.7%的符合条件的个人参与其中. 采用率因州而异,显著差异,突出需要改善对弱势医疗保险受益者的接触.
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
- 老年学是一门学科.
背景情况:
- 低收入的医疗保险注册人面临着自付医疗费用的挑战.
- 医疗保险储蓄计划 (MSP) 旨在减轻这些财务负担,但计划入学模式尚不清楚.
研究的目的:
- 估计2018年至2020年间国家和州级MSP招生率.
- 描述有资格获得MSP的个人特征,包括注册和未注册的个人.
主要方法:
- 从2018年至2020年进行的医疗保险当前受益者调查 (MCBS) 的数据的横截面分析.
- 根据收入和资产调查问卷评估MSP资格.
- 调查权重用于国家代表性的应用.
主要成果:
- 大约20.9%的受研究的医疗保险人口有资格获得MSP.
- 总体MSP采用率为56.7%,在各州有很大的差异 (例如,俄俄州的41.5%,加利福尼亚州的72.9%).
- 与符合条件的非登记者相比,登记的个人表现出更高的经济不安全感.
结论:
- 尽管有现有政策努力,但MSP的采用在各州是不完整和不一致的.
- 针对性的外展策略,重点关注社会和财务弱势较小,但仍然是低收入和符合条件的个人,可能会增加MSP招生.
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