How Health Insurance Design Affects Access To Care And Costs, By Income, In Eleven Countries
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Machine scores (provisional)
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- Teacher spread
- 0.261 · how far apart the two teachers sit on this one work
- Validation status
score_only:v0-immature-baseline· verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it
Abstract
This 2010 survey examines the insurance-related experiences of adults in Australia, Canada, France, Germany, the Netherlands, New Zealand, Norway, Sweden, Switzerland, the United States, and the United Kingdom. The countries all have different systems of coverage, ranging from public systems to hybrid systems of public and private insurance, and with varying levels of cost sharing. Overall, the study found significant differences in access, cost burdens, and problems with health insurance that are associated with insurance design. US adults were the most likely to incur high medical expenses, even when insured, and to spend time on insurance paperwork and disputes or to have payments denied. Germans reported spending time on paperwork at rates similar to US rates but were well protected against out-of-pocket spending. Swiss out-of-pocket spending was high, yet few Swiss had access concerns or problems paying bills. For US adults, comprehensive health reforms could lead to improvements in many of these areas, including reducing differences by income observed in the study.
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The record
- Venue
- Health Affairs
- Topic
- Healthcare Policy and Management
- Field
- Economics, Econometrics and Finance
- Canadian institutions
- —
- Funders
- —
- Keywords
- Cost sharingPaymentPublic health insuranceBusinessIncome protection insuranceHealth insurancePrivate insuranceHealth careHealth spendingDemographic economicsPublic economicsActuarial scienceInsurance policyEconomic growthGeneral insuranceFinanceEconomicsMedicine
- Has abstract in OpenAlex
- yes