Trends In The Golden State: Small-Group Premiums Rise Sharply While Actuarial Values For Individual Coverage Plummet

Autor:	Jeremy Pickreign, Laura Gandolfo, Ryan Lore, Roland McDevitt, Jon R. Gabel, Heidi Whitmore, Katy Wilson
Rok vydání:	2007
Předmět:	Median income education.field_of_study Actuarial science Health Policy media_common.quotation_subject Population Individual health State (polity) Economics Single person education Medical expenses health care economics and organizations media_common
Zdroj:	Health Affairs. 26:w488-w499
ISSN:	1544-5208 0278-2715
DOI:	10.1377/hlthaff.26.4.w488
Popis:	Using multiple databases, this paper examines recent trends in the affordability and comprehensiveness of small-group and individual health insurance markets in California. Both became less affordable over the study period. In 2006, a single person age 32–52 earning the median income who purchased individual insurance spent on average 16 percent of income on premiums and out-of-pocket medical expenses. For individual insurance, the share of medical expenses paid by insurance as opposed to patients declined from 2002 to 2006. In the small-group market, premiums rose more than 50 percent from 2003 to 2006, but the proportion of claims paid by insurers for a standardized population remained constant.
Databáze:	OpenAIRE
Externí odkaz:	https://explore.openaire.eu/search/publication?articleId=doi_________::8e13ef8206153c0a0e908eb7bb20b7e6 https://doi.org/10.1377/hlthaff.26.4.w488 Zobrazit plný text záznamu Plný text ve formátu PDF