Access to Care, Cost of Care, and Satisfaction With Care Among Adults With Private and Public Health Insurance in the US

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    • #428496
      • Total Posts: 9,978

      Findings In this survey study of 149 290 individuals residing in 17 states and the District of Columbia, individuals with employer-sponsored and individually purchased private insurance were more likely to report poor access to health care, higher costs of care, and less satisfaction with care compared with individuals covered by publicly sponsored insurance programs.

      Meaning The findings suggest that efforts to increase the number of individuals covered by public insurance programs or improve protections for individuals covered by private insurance against increasing costs are needed.

      Research from more than a decade ago suggests that Medicare enrollees were more likely to rate their insurance positively compared with those enrolled in private plans and that newly insured US adults with Medicare reported more satisfaction with care compared with US adults not yet covered by the program.14,15 Prior research has also demonstrated that out-of-pocket spending increased more rapidly among individuals covered by employer-sponsored insurance and decreased among individuals covered by Medicare.16 In addition, Medicaid has been compared with private insurance; however, the research is limited to certain populations17-19 or receipt of specific services20-22 and has shown mixed results. To our knowledge, no contemporary data directly comparing the experiences between US adults with public and private health insurance among the 5 major forms of coverage have been published.

      A consistent finding between private and public insurance was the experience of medical debt. Those who had either form of private insurance (employer sponsored or individually purchased) were more likely to report medical debt compared with individuals covered by any form of public insurance. This is not surprising given that health care costs are increasing faster than the median income in most states.4 Reform efforts directed at increasing subsidies, reducing cost sharing and deductibles, and eliminating surprise medical billing may be important tactics for reducing medical debt experienced by those covered by private plans.4,30-33

      Jesus: Hey, Dad? God: Yes, Son? Jesus: Western civilization followed me home. Can I keep it? God: Certainly not! And put it down this minute--you don't know where it's been! Tom Robbins in Another Roadside Attraction

    • #428528
      • Total Posts: 4,262

      When I am buying sheets, I look at what size they are so I can be sure they will cover the mattress I have in mind.

      When I am faced with getting health care, anyone going on about ‘coverage’, ‘premiums’, and ‘deductibles’ is engaging in a fraudulent distraction.

      Corporate America consists of totalitarian entities laser-focused on short-term greed.

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