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Chartpack -- How Many Are Underinsured Trends Among U.S..ppt

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Chartpack -- How Many Are Underinsured Trends Among U.S..ppt

Insured But Poorly Protected: How Many Are Underinsured? U.S. Adults Trends, 2003 to 2007 Release Briefing Charts Commonwealth Fund June 10, 2008 Key Study Findings As of 2007, 25 million insured adults were underinsured, a 60% increase since 2003, up from 16 million Based on high out of pocket cost exposure relative to income for adults insured all year Rates nearly tripled for insured, middle income families those with income above 200% poverty ($40,000 for a family) An estimated 42% of all adults were underinsured or uninsured—75 million people, up from 35% in 2003 Underinsured and uninsured face access barriers and financial stress/medical debt Plans have benefit limits as well as high cost-sharing; Premiums are high relative to incomes Policy implications 25 Million Adults Under Age 65 Were Underinsured in 2007, Up from 16 Million in 2003 Underinsured Adults, 2007 Compared with 2003 Underinsured and Uninsured Adults at High Risk of Going Without Needed Care and Financial Stress Insurance Characteristics Underinsured have plans with benefit limits Limits on visits; limits on total amount plans will pay; benefit gaps such as prescriptions Underinsured have plans with higher deductibles 26% have a deductible of $1,000 or more They also face high premiums and pay a high share of income for premiums 41 percent pay 5% or more of income for premiums; one of five pays 10% or more of income for premiums Policy Implications Universal health insurance: One of five key strategies for improving overall health system performance (The Commonwealth Fund Commission on a High Performance Health System) Design of health insurance reform matters: Equitable and comprehensive insurance for all Benefits cover essential services with financial protection Premiums/deductibles/out of pocket costs affordable relative to family income Health reform strategies underinsured: Massachusetts Building Blocks for Reform (Schoen, Davis, Collins) Senator McCain Senator Obama Methodology