HEALTH INSURANCE FOR LOW INCOME FAMILIES

1969 ◽  
Vol 2 (17) ◽  
pp. 836-836
Keyword(s):  
Health Insurance ◽  
Low Income ◽  
Low Income Families

Voluntary Public Health Insurance for Low-Income Families: The Decision to Enroll

1995 ◽  
Vol 20 (4) ◽  
pp. 955-972 ◽  
Author(s):  
Carolyn W. Madden ◽  
Allen Cheadle ◽  
Paula Diehr ◽  
Diane P. Martin ◽  
Donald L. Patrick ◽  
...  
Keyword(s):  
Public Health ◽  
Health Insurance ◽  
Low Income ◽  
Public Health Insurance ◽  
Low Income Families

scholarly journals Public Subsidies for Employees' Contributions to Employer-Sponsored Insurance

2001 ◽  
Vol 38 (2) ◽  
pp. 121-132 ◽  
Author(s):  
Mark Merlis
Keyword(s):  
Health Insurance ◽  
Low Income ◽  
Cost Effective ◽  
Tax Credits ◽  
Public Subsidies ◽  
Low Income Families ◽  
Employee Premium Contributions ◽  
Premium Contributions ◽  
Insurance Tax ◽  
Fair Balance

Proposals to provide or subsidize health insurance for low-income families must take account of the fact that many workers have access to employer-sponsored insurance (ESI), but decline it because of required employee premium contributions. This article considers a tax credit for the employee share of ESI in the context of a broader program of income-based health insurance tax credits. Helping uninsured workers pay for available ESI could be more cost-effective than subsidizing their coverage in the nongroup market. The credit would also be available to workers who were already covered, both for equity reasons and to reduce the incentives for employers to drop coverage or for workers to shift to subsidized individual plans. One key issue is how to prevent employers from reducing their current health plan contributions to take advantage of the new funding. Other design questions considered by the article include whether workers should be able to choose between ESI and nongroup coverage, whether minimum benefit standards should apply for employer plans, and how to achieve a fair balance in subsidies for group and nongroup coverage.

Why Members Dropout? An Evaluation of Factors Affecting Renewal in Micro Health Insurance

2017 ◽  
Vol 19 (2) ◽  
pp. 292-303 ◽  
Author(s):  
B. Savitha
Keyword(s):  
Health Insurance ◽  
Low Income ◽  
Dropout Rate ◽  
Point Of View ◽  
Low Risk ◽  
Micro Health Insurance ◽  
Factors Affecting ◽  
The Social ◽  
The Family ◽  
Low Income Families

Micro health insurance (MHI) is an important mechanism to fight iatrogenic poverty in India. Its sustainability and viability depends, to a greater extent on the renewal of membership. This article evaluates the factors that influence renewal decisions in Sampoorna Suraksha Programme (SSP) in Karnataka. This study shows income class and chronic illness in the family to determine the renewability. The findings indicate adverse selection since low-income low-risk and high-income low-risk families dropout. From the social welfare point of view, renewal from high-risk low-income families is welcome; yet this should not jeopardize resource mobilization of SSP. Sustainable and viable operations of SSP depends on continued membership of insured population that can be achieved through external financial assistance for the poorest, wider network of hospitals and increased awareness on health insurance. Dropout rate in any MHI scheme should be kept very low to achieve deeper penetration and wider coverage especially in India where large percentage of population falls outside the insurance ambit.

Dentistry and Childhood Poverty in the United States

2012 ◽  
Vol 37 (1) ◽  
pp. 113-116 ◽  
Author(s):  
HB Waldman ◽  
D Cannella ◽  
SP Perlman
Keyword(s):  
United States ◽  
Health Insurance ◽  
Low Income ◽  
The United States ◽  
Dental Services ◽  
Childhood Poverty ◽  
Low Income Families ◽  
The Impact ◽  
Localized Levels

The proportion and numbers of children living in low income families and without health insurance continues to increase. The magnitude of these problems is considered at localized levels in terms of the impact on the use of dental services.

scholarly journals Quality of Health Insurance Coverage and Access to Care for Children in Low-Income Families

2016 ◽  
Vol 170 (1) ◽  
pp. 43 ◽  
Author(s):  
Amanda R. Kreider ◽  
Benjamin French ◽  
Jaya Aysola ◽  
Brendan Saloner ◽  
Kathleen G. Noonan ◽  
...  
Keyword(s):  
Health Insurance ◽  
Access To Care ◽  
Low Income ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Low Income Families

SCHIP Renewal

2009 ◽  
Vol 28 (3) ◽  
pp. 143-143
Author(s):  
Gail McCain
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Low Income ◽  
Health Care Insurance ◽  
Federal Poverty Level ◽  
Poverty Level ◽  
Low Income Children ◽  
Insurance Program ◽  
Health And Development ◽  
Low Income Families

IN FEBRUARY OF THIS YEAR, THE STATE CHILDREN’S HEALTH Insurance Program (SCHIP) Reauthorization Act of 2009 was officially extended through 2013. SCHIP is a joint insurance program between the federal government and the states, which provides health insurance for low-income children and pregnant women who are not eligible for Medicaid. That is, states provide SCHIP for children in families with incomes up to 200 percent of the federal poverty level ($21,000 to $42,000 for a family of four). SCHIP currently provides health care insurance to approximately 7 million children who otherwise would not receive health care benefits.1 There are an additional 6 million children who are eligible, but not enrolled in either SCHIP or Medicaid.2 As more families face job loss and the associated loss of health insurance, SCHIP is even more important for the health and development of infants and children in low income families.

scholarly journals Expanding Access through Public Coverage: Permitting Families to Use Tax Credits to Buy into Medicaid or SCHIP

2001 ◽  
Vol 38 (2) ◽  
pp. 146-158 ◽  
Author(s):  
Alan R. Weil
Keyword(s):  
Health Insurance ◽  
Health Plan ◽  
Low Income ◽  
Health Program ◽  
The State ◽  
Tax Credits ◽  
Tax Credit ◽  
Flow Problems ◽  
Insurance Program ◽  
Low Income Families

A new tax credit to help low-income families and individuals purchase health insurance can address the problem of affordability, but will not overcome other barriers these populations face in obtaining coverage. This paper proposes that families have the option of using a new tax credit to buy into a state-administered system such as Medicaid or the State Children's Health Insurance Program. This option has three advantages. First, it allows families to remain with a single health program and health plan as their income fluctuates. Second, it provides an alternative to the complex and confusing individual insurance market. This alternative is community rated, does not use underwriting, and allows health plan behavior to be monitored closely by the state. Third, it allows the state to act as a financial buffer—helping overcome the barrier to participation that cash-flow problems and year-end reconciliation concerns are likely to create among a low-income population. Many people would want to use their tax credit in the private market, but the buy-in option increases the likelihood that the tax credit approach would succeed.

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