SECURITY MATTERS: HOW INSTABILITY IN HEALTH INSURANCE PUTS U.S. WORKERS AT RISK FINDINGS FROM THE COMMONWEALTH FUND 2001 HEALTH INSURANCE SURVEY CHARTS - PowerPoint PPT Presentation

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SECURITY MATTERS: HOW INSTABILITY IN HEALTH INSURANCE PUTS U.S. WORKERS AT RISK FINDINGS FROM THE COMMONWEALTH FUND 2001 HEALTH INSURANCE SURVEY CHARTS

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Low-income workers are much less likely to have employer-based insurance coverage. ... to contribute to the cost of. health insurance for their employees ... – PowerPoint PPT presentation

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Title: SECURITY MATTERS: HOW INSTABILITY IN HEALTH INSURANCE PUTS U.S. WORKERS AT RISK FINDINGS FROM THE COMMONWEALTH FUND 2001 HEALTH INSURANCE SURVEY CHARTS


1
SECURITY MATTERSHOW INSTABILITY IN HEALTH
INSURANCEPUTS U.S. WORKERS AT RISKFINDINGS
FROM THE COMMONWEALTH FUND2001 HEALTH INSURANCE
SURVEYCHARTS
2
One of four adults38 millionwas uninsured
during the past year.
Uninsured When Surveyed 15
Insured Now, Time Uninsured in Past Year 9
Insured All Year 76
161.3 Million Adults Ages 1964
3
Most uninsured adults have low family incomes.
20,00034,999 19
20,00034,99919
Less than 20,00044
Less than20,00056
35,00059,999 12
35,00059,999 22
60,000or More 2
Unknown 11
60,000 or More 7
Unknown 8
Uninsured Now 23.8 million
Insured Now,Time Uninsured in Past Year 14.5
million
4
Length of Time Uninsured, Adults Ages 1964
Dont Know2
Dont Know 1
3 Monthsor Less 11
1 Year or More 25
4 to 11 Months 12
3 Monthsor Less 36
1 Year or More 75
4 to 11 Months 38
Uninsured Now
Insured Now,Time Uninsured in Past Year
5
Nearly half of low-income adults were uninsured
during the year as of July 2001.
6
Young adults and Hispanics are at high risk
forbeing uninsured.
45
39
27
26
19
16
14
7
Why are you uninsured now? Why were you
uninsured earlier in the year?
8
Most uninsured workers are not offered or
eligible to participate in job-based coverage.
Dont Know4
Offered andEligible 22
Offered, DontKnow If Eligible3
Employer Offers, But Not Eligibleto Participate
11
Employer Doesnt Offer Health Plan 60
Currently Uninsured Working Adults Ages 1964
9
Adults with any time uninsured in the past year
are two tofour times more likely to have access
problems than those insured all year.
Percent of adults who went without needed care in
the past year due to cost
10
Over half of adults uninsured during the year had
problems paying medical bills.
11
Financial Insecurity Due to Medical BillsAmong
Adults Ages 1964
Total Uninsured Now Insured Now,Time Uninsured in Past Year Insured All Year
Had to change way of life to pay bills 13 27 31 9
Ways adults had to change life
Used all or most of savings 70 70 76 68
Borrowed money from family or friend 58 64 70 49
Unable to pay for basic necessities 54 55 61 51
Needed loan or mortgage home 23 27 26 19
12
Difficulty Meeting Basic Needs Within Last Year
Percent of adults reporting
13
More than one of four uninsured adults had topay
cash in advance for medical care.
Percent of adults who had to pay cash in advance
for medical care
14
Regular Source of Care and Doctor Ratings, by
Insurance Status, Adults Ages 1964
Total Uninsured Now Insured Now, Time Uninsured in Past Year Insured Now, Time Uninsured in Past Year Insured All Year
Have regular doctor yourely on for care 76 42 69 69 84
With current source ofcare five years or more 51 38 35 35 55
Rating of quality of physician care
Excellent or very good 67 43 63 63 72
Good 23 33 28 28 20
Only fair or poor 8 18 7 6 6
15
Thinking about your future medical care needs,
how confident are you that you will be able to
get high-quality health care when you need it?
Dont Know2
Not at AllConfident 10
Not TooConfident 15
Very Confident 32
Somewhat Confident 41
Adults Ages 1964
16
Low-income adults ages 19 to 64 are more likely
to lack confidence they will get high-quality
care when needed.
Percent of adults not too or not at all confident
about getting high-quality care
17
Adults with any time uninsured lack confidence in
their ability to get high-quality care when
needed.
Percent of adults not too or not at all confident
about getting high-quality care
18
Lack of insurance for any family member increases
family risk of financial insecurity due to
medical bills.
Total All Uninsured Now Some Insured, Some Not Insured All Continuously Insured
Total adults with families 4 23 73
Financial Experiences
Medical bill problems in past year
Not able to pay medical bills 25 58 47 16
Contacted by collection agency for medical bills 22 44 38 15
Had to change way of life significantly to pay bills 14 37 27 9
At least one of three types of medical bill problems 33 62 56 25
Based on adults ages 1964 who are married
and/or have a child/children.
19
Low-income workers are much less likely to have
employer-based insurance coverage.
Percent of workers who have employer-based
insurance
20
Working adults with low incomes are much more
likely to experience access or medical bill
problems.
Percent of workers who had an access or bill
problem in the past year
21
Lower-income workers are at risk for access and
medical bill problems, if uninsured.
Percent of workers who had the following problems
in the past year due to cost
Lower-income is defined as having annual
family income of less than 35,000. Insured
is insured all year.
22
Likely COBRA Eligibility of Workers Ages 1964
IneligibleforCOBRA
Employer-sponsored insurance coverage. The
survey defines small firms as having fewer than
25 employees thus, the analysis may
underestimate COBRA eligibility.
23
COBRA Eligibility Working Adults, Ages 1964
Other Insurance 8
Other Insurance 20
Uninsured 6
ESI Small Firm 11
COBRA- Eligible 40
COBRA-Eligible 75
Uninsured 32
ESI Small Firm 8
Below 200 Poverty
200 Poverty or More
Employer-sponsored insurance coverage.
24
Reports on Individual Market ExperiencesBase
Adults who have bought or tried to buyindividual
insurance in the past three years
Total 1929 3039 4049 5064
Percent in individual marketin the past three years 27 33 30 26 21
How difficult was it to find a plan with the type of coverage you needed?
Very/somewhat difficultor impossible 52 54 54 49 51
Not too/not at all difficult 38 36 38 41 36
How difficult was it to find a planyou could afford?
Very/somewhat difficultor impossible 69 64 74 71 71
Not too/not at all difficult 23 27 23 21 21
Did not end up buying a plan 71 73 72 69 69
25
Adults with employer-sponsored plans think
employersgenerally do a good job of selecting
quality health plans.
Percent of adults with employer-based coverage
who said employers
Dont Know3
Do a Mixed Job 10
Do a Bad Job 13
Do a Good Job 74
26
If your employer stopped offering coverage, how
confident are you that you would be able to find
an affordable health plan that meets your needs?
Percent with employer-based coverage who said
Very Confident 18
Not at AllConfident 26
Somewhat Confident 29
Not TooConfident 21
27
Preferences About Potential Changes in Employer
Coverage ArrangementsAdults with
Employer-Sponsored Insurance
If you could get a tax credit of (1,000 for
single/2,500 for family), would you DROP the
employer plan and get insurance on your own, or
would you KEEP the employer plan and give up the
tax credit?
Some employers are thinking of giving the money
they pay for health insurance directly to
employees so employees can buy insurance on their
own. Which would you prefer?
Dont Know5
Get Employer Contribution Buy Own Plan 17
Depends 13
Take Tax Credit Drop Plan 19
Keep Employer Plan 68
Continue with Employer Plan 78
28
Adults with employer-based coverage generally
prefer keeping it. But younger adults are
somewhat more likely to consider taking an option
to leave group plans.
Alternative insurance arrangements Total 1929 3039 4049 5064
Get a tax credit (1,000/single 2,500/family) to get insurance on your own
Percent very or somewhat likely to
DROP employer plan for tax credit 19 26 20 17 14
KEEP employer plan 68 61 65 68 76
Employer gives money for insurance directly to employees to buy coverage on their own
Percent with preference to
Take contribution and find own plan 17 22 19 15 13
Continue with employer plan 78 73 75 79 82
29
Of those with employer coverage, interest in
droppingthis coverage for a tax credit to
purchase insurance on ones own is low overall,
but declines with income.
Percent who are very or somewhat likely to
...if offered a tax credit
1,000/single 2,500/family.
30
Those with employer coverage generally prefer
continuing this coverage over getting an employer
contribution to find their own plan.
Percent who prefer to
31
Support for Proposals to ExpandHealth Insurance
Coverage
Percent of adults in favor of Total
Letting uninsured adults participate in state governmentinsurance programs that are for people with low income 82
Letting uninsured adults participate in Medicare 77
Offering tax credits or other financial assistance to helppeople buy health insurance on their own 81
Requiring all businesses to contribute to the cost ofhealth insurance for their employees 82
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