Sub-Ethnic and Geographic Variations in Out-of-Pocket Private Health Insurance Premiums Among Mid-Life Asians

2016 ◽  
Vol 29 (2) ◽  
pp. 222-246 ◽  
Author(s):  
Sunha Choi
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Private Insurance ◽  
State Level ◽  
Geographic Variations ◽  
Level Data ◽  
Geographic Clustering ◽  
Health Insurance Premiums ◽  
Interview Survey ◽  
Insurance Rates

Objective: This study examined out-of-pocket premium burden of mid-life Asian Americans by comparing six sub-groups of Asians after controlling for geographic clustering at the county and state levels. Method: The 2007-2011 National Health Interview Survey was linked to community-level data and analyzed for 4,628 Asians (ages 50-64), including 697 Asian Indians, 1,125 Chinese, 1,393 Filipinos, 434 Japanese, 524 Koreans, and 455 Vietnamese. Non-Hispanic Whites were included as a comparison group ( n = 48,135). Three-level multilevel modeling (state > county > individual) was conducted. Results: Koreans and Vietnamese were found as vulnerable sub-groups considering their lower private health insurance rates and higher uninsured rates. Among those with private insurance, Asians, specifically Filipinos, paid significantly less than non-Hispanic Whites. Moderate but significant variations in the county- and state-level variance in out-of-pocket premiums were found, especially among mid-life Asians. Discussion: This study demonstrates the importance of examining within-group heterogeneity and geographic variations in understanding premium burden among mid-life Asians.

Can Health Insurance Reduce School Absenteeism?

2010 ◽  
Vol 43 (6) ◽  
pp. 696-721 ◽  
Author(s):  
Ryan Yeung ◽  
Bradley Gunton ◽  
Dylan Kalbacher ◽  
Jed Seltzer ◽  
Hannah Wesolowski
Keyword(s):  
Health Insurance ◽  
Fixed Effects ◽  
School Attendance ◽  
State Level ◽  
Public Health Care ◽  
Level Data ◽  
Regression Techniques ◽  
Daily Attendance ◽  
Fixed Effects Regression ◽  
Average Daily Attendance

Enacted in 1997, the State Children’s Health Insurance Program (SCHIP) represented the largest expansion of U.S. public health care coverage since the passage of Medicare and Medicaid 32 years earlier. Although the program has recently been reauthorized, there remains a considerable lack of thorough and well-designed evaluations of the program. In this study, we use school attendance as a measure of the program’s impact. Utilizing state-level data and the use of fixed-effects regression techniques, we conclude that SCHIP has had a positive and significant effect on state average daily attendance rates, as measured by both SCHIP participation and eligibility rates. The results support the renewal and expansion of the program.

scholarly journals Emergency care usage and longevity have opposite effects on health insurance rates

Kybernetes ◽  
2017 ◽  
Vol 46 (1) ◽  
pp. 102-113 ◽  
Author(s):  
Xavier Piulachs ◽  
Ramon Alemany ◽  
Montserrat Guillen
Keyword(s):  
Health Insurance ◽  
Emergency Care ◽  
Proportional Hazard ◽  
Joint Models ◽  
Men And Women ◽  
Content Type ◽  
Health Insurance Premiums ◽  
Insurance Rates ◽  
Log Linear ◽  
Expected Longevity

Purpose This paper aimed to study the price of health insurance for individuals aged 65 years and over. Design/methodology/approach A sample of private health policyholders in Spain is analysed. Joint models are estimated for men and women, separately. A log-linear model of the transformed cumulated number of claims associated with emergency room occupation, ambulance use and hospitalization is estimated, together with a proportional hazard survival model. Findings The association between the longitudinal process of severe medical care and the survival time process is positive and highly significant for both men and women. An increase in the price of health insurance because of the effect of a larger number of emergency care demand events is slightly offset by the decrease in expected longevity. Research limitations/implications The effect of an increase in the number of claims is small compared to the reduction in survival, so age still plays a central role in ratemaking. Practical implications High rates of health insurance for elderly insureds should be compensated with younger insureds in the portfolio. Social implications Affordable health insurance premiums for elderly people are difficult to obtain only with strict actuarial principles. Originality/value The proposed methodology allows dynamic rates to be designed, so that the price of health insurance can change as new usage information becomes available.

scholarly journals Addressing Disclosure Concerns and Analysis Demands in a Real-Time Online Analytic System

2013 ◽  
Vol 29 (1) ◽  
pp. 99-124 ◽  
Author(s):  
Tom Krenzke ◽  
Jane F. Gentleman ◽  
Jianzhu Li ◽  
Chris Moriarity
Keyword(s):  
Real Time ◽  
Survey Data ◽  
State Level ◽  
Statistical Disclosure Control ◽  
Health Statistics ◽  
The Public ◽  
Disclosure Control ◽  
Level Data ◽  
Statistical Disclosure ◽  
Interview Survey

Abstract This article focuses on methods for enhancing access to survey data produced by government agencies. In particular, the National Center for Health Statistics (NCHS) is developing methods that could be used in an interactive, integrated, real-time online analytic system (OAS) to facilitate analysis by the public of both restricted and public use survey data. Data from NCHS’ National Health Interview Survey (NHIS) are being used to investigate, develop, and evaluate such methods. We assume the existence of public use microdata files, as is the case for the NHIS, so disclosure avoidance methods for such an OAS must account for that critical constraint. Of special interest is the analysis of state-level data because health care is largely administered at the state level in the U.S., and state identifiers are not on the NHIS public use files. This article describes our investigations of various possible choices of methods for statistical disclosure control and the challenges of providing such protection in a real-time OAS that uses restricted data. Full details about the specific disclosure control methods used by a working OAS could never be publicly released for confidentiality reasons. NCHS is still evaluating whether to implement an OAS that uses NHIS restricted data, and this article provides a snapshot of a research and developmental project in progress.

scholarly journals Impact on public hospitals if private health insurance rates in Victoria declined

2004 ◽  
Vol 28 (3) ◽  
pp. 330 ◽  
Author(s):  
Brian W T Hanning
Keyword(s):  
Health Insurance ◽  
Public Sector ◽  
Private Health Insurance ◽  
Operating Cost ◽  
Public Hospitals ◽  
Income Loss ◽  
The Public ◽  
Capital Costs ◽  
Recurrent Cost ◽  
Insurance Rates

The additional cost of treating acute care type Victorian private patients as public patients in Victorian public hospitals based on the current public sector payment model and rates was calculated, as was the loss of health fund income to public hospitals. If all private cases became public the net recurrent cost would be $1.05 billion assuming all patients were still treated. If private health insurance (PHI) uptake had declined to 23.3% as was projected without Lifetime Health Cover and the 30% rebate, the additional operating cost and income loss would be $385 million. This compares to the Victorian cost of the 30% rebate for acute hospital cases of $383 million. This takes no account of capital costs and possible public sector access problems. The analysis suggests that 31 extra operating theatres would be needed in the public sector (had the transfer of surgical patients from the public sector to the private sector not occurred). This analysis suggests that without the PHI rebate the current stresses on Victorian public hospitals would be increased, not decreased.

Voluntary Private Health Insurance

2011 ◽  
pp. 284-307 ◽  
Author(s):  
Peter Zweifel
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Private Insurance ◽  
Health Sector ◽  
Future Research ◽  
Insurance Markets ◽  
Extensive Literature ◽  
Individual Health ◽  
Health Insurance Markets ◽  
Private Individual

The purpose of this article is to examine the working of voluntary private health insurance works. While empirical evidence on the functioning of voluntary private individual health insurance markets is lacking, there is a large and well-developed theoretical literature describing the functioning of private insurance markets in other sectors. This article begins by discussing this extensive literature and the working of such markets if they exist in the health sector. It considers the functioning of the three common forms of voluntary insurance, namely, individual health insurance markets, voluntary private coverage, and voluntary private health insurance that are auxiliary to public systems. Finally, the article proposes that a political economy based explanation for the existence of the theoretically optimal market does not exist and it concludes with areas for future research.

scholarly journals Rising inequality and the implications for the future of private insurance in Canada

2018 ◽  
Vol 13 (3-4) ◽  
pp. 406-432 ◽  
Author(s):  
Mark Stabile ◽  
Maripier Isabelle
Keyword(s):  
Private Health Insurance ◽  
Median Voter ◽  
Private Insurance ◽  
Wealth Inequality ◽  
Household Level ◽  
Level Data ◽  
The Future ◽  
Privately Financed ◽  
The Relationship ◽  
Increased Pressure

AbstractIncome and wealth inequality have risen in Canada since its low point in the 1980s. Over that same period we have also seen an increase in the amount that Canadians spend on privately financed health care, both directly and through private health insurance. This paper will explore the relationship between these two trends using both comparative data across jurisdictions and household-level data within Canada. The starting hypothesis is that the greater the level of inequality the more difficult it becomes for publicly provided insurance to satisfy the median voter. Thus, we should expect increased pressure to access privately financed alternatives as inequality increases. In the light of these implications, the paper considers the implications for the future of private insurance in Canada.

scholarly journals Perkembangan Asuransi Kesehatan Swasta di Indonesia 2012 – 2016

2018 ◽  
Vol 2 (2) ◽  
Author(s):  
Kurnia Sari, SKM, MSE
Keyword(s):  
Health Insurance ◽  
Universal Health Coverage ◽  
Life Insurance ◽  
Private Health Insurance ◽  
Private Insurance ◽  
Health Expenditures ◽  
Insurance Company ◽  
Health Coverage ◽  
Private Insurance Company ◽  
Universal Health

Abstrak Total belanja asuransi swasta di tahun 2015 sekitar 3,9% dari pengeluaran kesehatan Indonesia. Walaupun tidak cukup besar, informasi tentang asuransi kesehatan swasta di Indonesia masih terbatas. Kajian ini ditujukan untuk memberikan gambaran perkembangan perusahaan asuransi kesehatan swasta di Indonesia. Jumlah perusahaan asuransi swasta dalam beberapa ta­hun terakhir tidak banyak tumbuh, sementara jumlah kepesertaannya cenderung fluktuatif dalam 5 tahun terakhir, bahkan turun untuk kelompok asuransi kerugian. Uang pertanggungan cenderung naik sampai tahun 2014, lalu stagnan pada periode berikutnya. Jumlah premi yang diterima perusahaan dan klaim yang harus dibayarkan cenderung naik, dengan rasio klaim yang cukup tinggi pada asuransi kerugian dan dalam batas wajar untuk asuransi jiwa. Tidak dapat dipungkiri bahwa program pemerintah untuk mencapai universal health coverage merupakan sebuah ancaman bagi pihak asuransi swasta.AbstractTotal private insurance spending in 2015 is about 3.9% of Indonesia’s health expenditures. Although it is not considerably high, the information about private health insurance in Indonesia is still limited. This review is aimed to provide an overview of the private health insurance company growths in Indonesia. The number of private insurance company does not grow significantly, while the number of membership tends to fluctuate in the last 5 years, even it is tend to decrease for non life insurance category. Sums assured tend to rise until 2014, then stagnant for the next period. The amount of premium received by the company and claims to be paid (claim ratio) is considerably increase. It could not be denied that government program for achieving the universal health coverage is a threat to private insurance.

scholarly journals Prevalence and Expenses of Outpatient Opioid Prescriptions, With Associated Sociodemographic, Economic, and Work Characteristics

2019 ◽  
Vol 50 (1) ◽  
pp. 82-94 ◽  
Author(s):  
Abay Asfaw ◽  
Toni Alterman ◽  
Brian Quay
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Family Income ◽  
Medical Expenditure Panel Survey ◽  
Private Insurance ◽  
Health And Safety ◽  
Medical Expenditure ◽  
Work Characteristics ◽  
College Educated ◽  
Hispanic White

Information on opioids obtained by workers is important for both health and safety. We examined the prevalence and total expenses of obtaining outpatient opioid prescriptions, along with associated sociodemographic, economic, and work characteristics, in national samples of U.S. workers. We used Medical Expenditure Panel Survey data (2007–2016) along with descriptive and multiple logistic regression. During the study period, an estimated 21 million workers (12.6%) aged 16 years or older obtained one or more outpatient opioid prescriptions, at an expense of $2.81 billion per year. Private health insurance covered half of the total opioid expenses for workers. The prevalence of obtaining opioid prescriptions was higher for women than for men, but men had higher opioid expenses. In addition, the prevalence of obtaining opioid prescriptions was higher for workers who were older; non-Hispanic white; divorced, separated, or widowed; and non-college-educated. There is an inverse relationship between family income and the likelihood of obtaining opioids. Compared to workers with private insurance, workers with public health insurance had higher expenses for opioid prescriptions. Finally, workers in occupations at higher risk for injury and illness – including construction and extraction; farming; service; and production, transportation, and material moving occupations – were more likely to obtain opioid prescriptions.

Choice Inconsistencies in the Demand for Private Health Insurance

2019 ◽  
Author(s):  
Olena Stavrunova
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Private Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Economic Benefits ◽  
Insurance Companies ◽  
Plan Choice ◽  
Consumer Choices

In many countries of the world, consumers choose their health insurance coverage from a large menu of often complex options supplied by private insurance companies. Economic benefits of the wide choice of health insurance options depend on the extent to which the consumers are active, well informed, and sophisticated decision makers capable of choosing plans that are well-suited to their individual circumstances. There are many possible ways how consumers’ actual decision making in the health insurance domain can depart from the standard model of health insurance demand of a rational risk-averse consumer. For example, consumers can have inaccurate subjective beliefs about characteristics of alternative plans in their choice set or about the distribution of health expenditure risk because of cognitive or informational constraints; or they can prefer to rely on heuristics when the plan choice problem features a large number of options with complex cost-sharing design. The second decade of the 21st century has seen a burgeoning number of studies assessing the quality of consumer choices of health insurance, both in the lab and in the field, and financial and welfare consequences of poor choices in this context. These studies demonstrate that consumers often find it difficult to make efficient choices of private health insurance due to reasons such as inertia, misinformation, and the lack of basic insurance literacy. These findings challenge the conventional rationality assumptions of the standard economic model of insurance choice and call for policies that can enhance the quality of consumer choices in the health insurance domain.

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