健康保险Health Insurance.ppt

Health Insurance Uninsured Insured Two Comments First of two comments: From Princeton Economist Uwe Reinhardt: “Why does a country that spends close to 70 percent more on health care per capita than the next most expensive health system in the world [Germany] still leave close to 18 percent of its population without the economic, emotional and physiological benefits of health insurance coverage? Two Comments Second comment: Most of us are not aware of the financial burden we bear for health care provided to ourselves and others. Self pay for a visit to a hospital ER, say for a broken leg. Employers pay on average 11% of salary for health benefits. Roughly equals $2/hr. FICA-M A TV in most states, a pay check in Delaware,… Number of Americans Who LackHealth-Care Coverage Is Rising:Census Bureau Counts 43.6 Million, WSJ 9/30/03 Mostly adults, not children – half are childless adults. What age group? Poor and near-poor – 60% have incomes above federal poverty level Workers and family members – 80% in families with at least 1 worker Unskilled laborers, service workers. Uwe Reinhardt, “working stiffs” Do the uninsured receive necessary health care? Often No… Compared to the Insured Population, the Uninsured... Have higher rates of preventable and/or untreated illness Are less likely to receive care that they feel they need Have more preventable hospitalizations Have shorter hospital stays for the same conditions Are hospitalized sicker and have poorer health outcomes (including death)… The Uninsured… Are not known to be a sicker or higher-cost population. Pay higher medical fees. (NYT, 4/2/01) “A New York gynecologist says he gets $25 for a routine exam for a woman insured by group health insurance and charges $175 for the same exam for a woman without insurance.”… “The care of the poor once was supported by the wealthy and the insured, but now the opposite is happening.” Health Insurance and the Consumer Role Consumers demand health insu