"Congress has seen a renewed interest in the market for private health insurance since the passage
of the Patient Protection and Affordable Care Act (ACA; P.L. 111-148, as amended). This report
provides an overview of private-sector (as opposed to government-provided) health insurance.It
serves as an introduction to health insurance from the point of view of many consumers under the
age of 65. No background in health insurance is assumed, and all terms are defined in the body of
the report.
A consumer may find the purchase of health care inherently different from some other purchases.
Health care can be expensive, and many relevant details concerning future health care may not be
known when the consumer is choosing an insurance plan, including when over the course of a
year (if at all) health care will be purchased, which services will be needed, and the costs of those
services. These characteristics of purchasing health care decrease the consumer’s ability to plan
financially and increase the consumer’s exposure to financial risk. The purchase of health
insurance reduces the risks and unpredictability inherent in paying for health services..."
Health insurance
Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts
Wednesday, May 27, 2015
Friday, November 22, 2013
Infographic Profiles Young Adults Without Health Insurance
"In 2012, 27 percent of young adults (ages 19 to 34) lacked health
insurance, although the rate varied widely from state to state,
according to a new Census Bureau infographic, "The Young and Uninsured
in 2012." The infographic looks at the characteristics of this group and
their uninsured rate in states and the largest metropolitan areas..."
Uninsured youth
Uninsured youth
Thursday, February 28, 2013
Monday, September 17, 2012
Uninsured Rate for Young Adults Drops Sharply
"Every year, the Census Bureau’s Current Population Survey asks respondents whether they had any health insurance coverage during the previous calendar year. Collected since 1987, these statistics are the longest series that measure health insurance coverage for our nation.
Today, we released statistics pertaining to the 2011 calendar year. Segmented by a range of demographic characteristics, they show that 17.9 percent of people under age 65 were uninsured in 2011. That overall percentage, however, masks a great deal of variation among age groups..."
Today, we released statistics pertaining to the 2011 calendar year. Segmented by a range of demographic characteristics, they show that 17.9 percent of people under age 65 were uninsured in 2011. That overall percentage, however, masks a great deal of variation among age groups..."
Income, Poverty and Health Insurance Coverage in the United States: 2011
"The U.S. Census Bureau announced today that in 2011, median household income declined, the poverty rate was not statistically different from the previous year and the percentage of people without health insurance coverage decreased.
Real median household income in the United States in 2011 was $50,054, a 1.5 percent decline from the 2010 median and the second consecutive annual drop.
The nation's official poverty rate in 2011 was 15.0 percent, with 46.2 million people in poverty. After three consecutive years of increases, neither the poverty rate nor the number of people in poverty were statistically different from the 2010 estimates.
The number of people without health insurance coverage declined from 50.0 million in 2010 to 48.6 million in 2011, as did the percentage without coverage - from 16.3 percent in 2010 to 15.7 percent in 2011.
These findings are contained in the report Income, Poverty, and Health Insurance Coverage in the United States: 2011.."
Real median household income in the United States in 2011 was $50,054, a 1.5 percent decline from the 2010 median and the second consecutive annual drop.
The nation's official poverty rate in 2011 was 15.0 percent, with 46.2 million people in poverty. After three consecutive years of increases, neither the poverty rate nor the number of people in poverty were statistically different from the 2010 estimates.
The number of people without health insurance coverage declined from 50.0 million in 2010 to 48.6 million in 2011, as did the percentage without coverage - from 16.3 percent in 2010 to 15.7 percent in 2011.
These findings are contained in the report Income, Poverty, and Health Insurance Coverage in the United States: 2011.."
Wednesday, August 29, 2012
Small Area Health Insurance Estimates
"The Census Bureau's Small Area Health Insurance Estimates (SAHIE) program produces estimates of health insurance coverage for states and all counties. In July 2005, SAHIE released the first nation-wide set of county-level estimates on the number of people without health insurance coverage for all ages and those under 19 years old. In August 2012, SAHIE released 2010 estimates of health insurance coverage by age, sex, race, Hispanic origin, and income categories at the state-level and by age, sex, and income categories at the county-level..."
Thursday, October 13, 2011
Health Insurance Coverage Estimates for All Counties
"The Census Bureau's Small Area Health Insurance Estimates (SAHIE) program produces estimates of health insurance coverage for states and all counties. In July 2005, SAHIE released the first nation-wide set of county-level estimates on the number of people without health insurance coverage for all ages and those under 19 years old. In October 2011, SAHIE released 2008 and 2009 estimates of health insurance coverage by age, sex, race, Hispanic origin, and income categories at the state-level and by age, sex, and income categories at the county-level."
Monday, September 26, 2011
Health Insurance: Most Have Coverage
"New figures released by the U.S. Census Bureau show that most of us – 256.2 million, or 83.7 percent – did, in fact, have health insurance coverage during the entire 2010 calendar year. However, that left 49.9 million, or 16.3 percent, who did not.
Dig a little deeper into the numbers and we see so many key factors that influence whether one ended up in the “have” or “have-not” camp.
One key factor is age. Because of Medicare, coverage for people 65 and older is virtually universal, with only 2.0 percent lacking coverage in 2010. On the other hand, for young adults 18 to 24, the situation was vastly different, as 27.2 percent were not covered..."
View additional coverage of health insurance.
Dig a little deeper into the numbers and we see so many key factors that influence whether one ended up in the “have” or “have-not” camp.
One key factor is age. Because of Medicare, coverage for people 65 and older is virtually universal, with only 2.0 percent lacking coverage in 2010. On the other hand, for young adults 18 to 24, the situation was vastly different, as 27.2 percent were not covered..."
View additional coverage of health insurance.
Monday, September 19, 2011
Fact Sheet: Health Insurance Coverage 2010
Key data resources on health insurance from the U.S. Census Bureau.
Key data resources on health insurance from the U.S. Census Bureau.
Tuesday, August 30, 2011
Applying for Affordable Health Insurance is Easy and Confidential
"Your child or teen may qualify for no-cost or low-cost health insurance coverage through Medicaid and the Children’s Health Insurance Program (CHIP). Many parents may also be eligible.
If you or someone in your family needs health coverage, you should apply. To find information about Medicaid and CHIP health coverage programs in your state, go to Programs in Your State or call 1-877-Kids-Now (1-877-543-7669).
Medicaid and CHIP typically cover a range of benefits including:
Doctor Visits
Emergency Care
Hospital Care
Vaccinations
Prescription Drugs
Vision
Hearing
Dental"
"Your child or teen may qualify for no-cost or low-cost health insurance coverage through Medicaid and the Children’s Health Insurance Program (CHIP). Many parents may also be eligible.
If you or someone in your family needs health coverage, you should apply. To find information about Medicaid and CHIP health coverage programs in your state, go to Programs in Your State or call 1-877-Kids-Now (1-877-543-7669).
Medicaid and CHIP typically cover a range of benefits including:
Doctor Visits
Emergency Care
Hospital Care
Vaccinations
Prescription Drugs
Vision
Hearing
Dental"
Monday, August 31, 2009
Insurance Regulation: Issues, Background, and Legislation in the 111th Congress
"The individual states have been acknowledged as the primary regulators of insurance as far back as 1868. Since the 1945 McCarran-Ferguson Act, this system has operated with the specific blessing of Congress, but has also been subject to periodic scrutiny and suggestions that the time may have come for Congress to take back the regulatory authority that it granted to the states. In the late 1980s and early 1990s, congressional scrutiny was largely driven by the increasing complexities of the insurance business and concern over whether the states were up to the task of ensuring consumer protections, particularly insurer solvency. Prior to the recent financial crisis, congressional interest in insurance regulation focused on the inefficiencies in the state regulatory system. A major catalyst for congressional interest has been the aftermath of the Gramm-Leach-Bliley Act of 1999 (GLBA), which modernized the regulatory structure for banks and securities firms, but left the insurance sector largely untouched. Many larger insurers, and their trade associations, had previously defended state regulation but consider themselves at a competitive disadvantage in the current regulatory structure. They are now largely arguing for an optional federal charter akin to that available to banks..."
"The individual states have been acknowledged as the primary regulators of insurance as far back as 1868. Since the 1945 McCarran-Ferguson Act, this system has operated with the specific blessing of Congress, but has also been subject to periodic scrutiny and suggestions that the time may have come for Congress to take back the regulatory authority that it granted to the states. In the late 1980s and early 1990s, congressional scrutiny was largely driven by the increasing complexities of the insurance business and concern over whether the states were up to the task of ensuring consumer protections, particularly insurer solvency. Prior to the recent financial crisis, congressional interest in insurance regulation focused on the inefficiencies in the state regulatory system. A major catalyst for congressional interest has been the aftermath of the Gramm-Leach-Bliley Act of 1999 (GLBA), which modernized the regulatory structure for banks and securities firms, but left the insurance sector largely untouched. Many larger insurers, and their trade associations, had previously defended state regulation but consider themselves at a competitive disadvantage in the current regulatory structure. They are now largely arguing for an optional federal charter akin to that available to banks..."
Thursday, December 18, 2008
Marital Status is Associated With Health Insurance Coverage for Working-age Women at all Income Levels, 2007
"Key findings. Data from the National Health Interview Survey
Overall, unmarried (divorced or never married) women aged 25-64 years are more likely to be uninsured (21%) than married women (13%) in the same age group..
Poor married women are more likely to be uninsured than poor unmarried women, in part because they are less likely to have Medicaid coverage.
Married women are more likely to have private insurance, and less likely to have Medicaid, than unmarried women.
The probability of an offer of health insurance through an employer increases with family income for both married and unmarried women.
Marriage affects health insurance coverage. As marriage rates in the United States decline (1), fewer women will have the opportunity to obtain health insurance coverage through their spouse. Marriage can also increase family income and may make health insurance more affordable. Because poor and low-income unmarried women are more likely to be eligible for Medicaid than their married counterparts, changes in Medicaid eligibility may also affect coverage rates disproportionately for poor and low-income unmarried women."
"Key findings. Data from the National Health Interview Survey
Overall, unmarried (divorced or never married) women aged 25-64 years are more likely to be uninsured (21%) than married women (13%) in the same age group..
Poor married women are more likely to be uninsured than poor unmarried women, in part because they are less likely to have Medicaid coverage.
Married women are more likely to have private insurance, and less likely to have Medicaid, than unmarried women.
The probability of an offer of health insurance through an employer increases with family income for both married and unmarried women.
Marriage affects health insurance coverage. As marriage rates in the United States decline (1), fewer women will have the opportunity to obtain health insurance coverage through their spouse. Marriage can also increase family income and may make health insurance more affordable. Because poor and low-income unmarried women are more likely to be eligible for Medicaid than their married counterparts, changes in Medicaid eligibility may also affect coverage rates disproportionately for poor and low-income unmarried women."
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