Health Insurance, Non-Deferrable Health Events and Financial Risk

健康保险、不可延期的健康事件和财务风险

• 批准号: 8730077
• 负责人: Silvia Helena Barcellos
• 金额: $ 22.8万
• 依托单位: UNIVERSITY OF SOUTHERN CALIFORNIA
• 依托单位国家: 美国
• 财政年份: 2013
• 资助国家: 美国
• 起止时间: 2013-09-15 至 2016-05-31
• 项目状态: 已结题
• 来源: https://reporter.nih.gov/project-details/8730077
• 关键词: Address; Affect; Age; American; Attention; Behavioral; Caring; Categories; Collection; Consumption; Data; Diagnostic; Education; Elderly; Eligibility Determination; Ethnic Origin; Event; Expenditure; Exposure to; General Population; Goals; Health; Health Insurance; Health Services Accessibility; Heterogeneity; Household; Individual; Inpatients; Insurance; Insurance Coverage; Knowledge; Life; Literature; Low income; Measures; Medicaid; Medical; Medicare; Motivation; Myocardial Infarction; Outpatients; Perception; Personal Satisfaction; Play; Population; Race; Relative (related person); Reporting; Research Design; Risk; Role; Scheme; Social Welfare; Stress; Stroke; Surveys; Text; Time; Uninsured; Work; abstracting; base; care seeking; cost; programs; retiree; social

Enter the text here that is the new abstract information for your application. This section must be no longer than 30 lines of text. The goal of this study is to estimate the impact of health insurance on financial risk among the young elderly (ages 65-80) relative to the near elderly (ages 50-64). The near elderly are ineligible for Medicare based on age but are more likely than the general population to have serious health conditions and thus be exposed to medical expenditure risk (Williams et al. 2010). While less than 1 percent of the elderly are uninsured, almost 15 percent of the near elderly lacked insurance in 2010 (KFF 2011b). Thus, health insurance has the potential to significantly affect exposure to financial risk for the elderly relative to the near elderly. We will use 15 years (1996-2010) of the Medical Expenditure Panel Survey (MEPS), the highest quality nationally representative data containing information on health insurance coverage, health conditions, and total and out-of-pocket medical spending, both overall and by category (e.g. inpatient, outpatient). We will supplement the MEPS analysis with secondary data on medical- related financial stress from the Health Tracking Household Survey (HTHS) and unique primary data collected on the actual and perceived financial risk associated with health spending from the RAND American Life Panel (ALP). Using these data this exploratory project will address the following aims: (1) Estimate the relationship between health insurance and actual and perceived financial risk in an regression discontinuity framework, exploiting the discontinuity in Medicare coverage at age 65. (2) Investigate heterogeneity in the impact of Medicare on both actual and perceived financial risk across education and race/ethnicity groups as well as its impact on disparities in financial risk. (3) Estimate the welfare change from Medicare-related changes in risk exposure in an expected utility framework and compare this change to the social cost of the program.

在此处输入文本，这是您应用程序的新摘要信息。本节必须不 超过30行文本。 这项研究的目的是估算健康保险对财务风险的影响 年轻的老年人（65-80岁）相对于近老年人（50-64岁）。近老年人是 基于年龄的医疗保险不符合资格，但比一般人群更有可能 严重的健康状况，因此面临医疗支出风险（Williams等，2010）。 虽然不到1％的老年人没有保险 2010年缺乏保险（KFF 2011b）。因此，健康保险有可能显着 影响老年人相对于近老年人的财务风险的暴露。 我们将使用15年（1996-2010）的医疗支出小组调查（MEP），这是最高的 质量全国代表性数据，其中包含有关健康保险，健康的信息 条件，总体和按类别的总体和自付费用的医疗支出（例如 住院，门诊）。我们将使用有关医学的辅助数据来补充MEP分析 - 健康跟踪家庭调查（HTHS）和独特的主要主要压力的相关财务压力 收集了与与健康支出相关的实际财务风险的数据 兰德美国人生命小组（ALP）。使用这些数据，这个探索性项目将解决 以下目的： （1）估计健康保险与实际和感知财务风险之间的关系 回归不连续框架，利用了年龄的医疗保险覆盖率的不连续性 65。 （2）调查医疗保险对实际财务风险和感知财务风险的影响的异质性 跨越教育和种族/族裔群体及其对财务风险差异的影响。 （3）估计预期的风险暴露与医疗保险相关的风险变化的变化 公用事业框架并将这种变化与计划的社会成本进行比较。