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2022 ◽  
Vol 5 (1) ◽  
pp. e2142703
Author(s):  
Stephanie Cham ◽  
Mary Beth Landrum ◽  
Nancy L. Keating ◽  
Joanne Armstrong ◽  
Alexi A. Wright


2022 ◽  
Vol 5 (1) ◽  
pp. e2142531
Author(s):  
Benjamin A. Barsky ◽  
Alisa B. Busch ◽  
Sadiq Y. Patel ◽  
Ateev Mehrotra ◽  
Haiden A. Huskamp


2021 ◽  
Vol 2 (12) ◽  
pp. e214242
Author(s):  
Rena M. Conti ◽  
Richard G. Frank ◽  
Len M. Nichols


2021 ◽  
Author(s):  
Zaikun Hou ◽  
Wenjie Li ◽  
Wangchen Lu ◽  
Yue Gao

<p>This paper matches the "Peking University Digital Inclusive Finance Index" published by Peking University Digital Finance Research Center with the 2018 China Family Panel Studies (CFPS) database, and uses Probit and Logit models to empirically investigate the impact of digital inclusive finance on impact of household commercial insurance participation. The findings show that, first, the development of digital inclusive finance significantly increases commercial insurance participation, and this effect remains significant after adding control variables or changing models; second, the impact of digital inclusive finance on commercial insurance participation shows structural differences by urban-rural, regional, and risk preferences. At the urban-rural level, the impact of digital inclusive finance on commercial insurance participation is significantly higher in rural than in urban areas; at the regional level, the impact of digital inclusive finance is greater in western regions than in eastern and central regions; at the risk preference level, the impact of digital inclusive finance on commercial insurance participation is higher in risk-averse groups than in risk-averse groups. Based on the above findings, this paper proposes to accelerate the development of digital inclusive finance, especially focusing on the construction of digital inclusive finance in less developed regions; improve the financial market system, strengthen the supervision of insurance products; and increase the popularization of financial knowledge.</p>



2021 ◽  
Author(s):  
Zaikun Hou ◽  
Wenjie Li ◽  
Wangchen Lu ◽  
Yue Gao

<p>This paper matches the "Peking University Digital Inclusive Finance Index" published by Peking University Digital Finance Research Center with the 2018 China Family Panel Studies (CFPS) database, and uses Probit and Logit models to empirically investigate the impact of digital inclusive finance on impact of household commercial insurance participation. The findings show that, first, the development of digital inclusive finance significantly increases commercial insurance participation, and this effect remains significant after adding control variables or changing models; second, the impact of digital inclusive finance on commercial insurance participation shows structural differences by urban-rural, regional, and risk preferences. At the urban-rural level, the impact of digital inclusive finance on commercial insurance participation is significantly higher in rural than in urban areas; at the regional level, the impact of digital inclusive finance is greater in western regions than in eastern and central regions; at the risk preference level, the impact of digital inclusive finance on commercial insurance participation is higher in risk-averse groups than in risk-averse groups. Based on the above findings, this paper proposes to accelerate the development of digital inclusive finance, especially focusing on the construction of digital inclusive finance in less developed regions; improve the financial market system, strengthen the supervision of insurance products; and increase the popularization of financial knowledge.</p>



2021 ◽  
Vol 4 (12) ◽  
pp. e2137716
Author(s):  
Lindsay K. Admon ◽  
Vanessa K. Dalton ◽  
Giselle E. Kolenic ◽  
Anca Tilea ◽  
Stephanie V. Hall ◽  
...  


2021 ◽  
Vol 9 ◽  
Author(s):  
Senhu Wang ◽  
Anran Liu ◽  
Wei Guo

Objectives: Large-scale rural-to-urban migration of China has provoked heated discussion about the health of migrants and whether they have equal access to the health resources. This article aimed to compare the public and commercial medical insurance enrollment rates between temporary, permanent migrants and urban natives.Methods: Average marginal effects (AME) of the weighted logistic regression models using 2017 China General Social Survey from 2,068 urban natives, 1,285 temporary migrants, and 1,295 permanent migrants.Results: After controlling for the demographic and socio-economic characteristics, our results show that while the temporary and permanent migrants have a similar public insurance enrollment rate compared with the urban natives, both temporary and permanent migrants have significantly lower commercial insurance enrollment rates (7.5 and 5.3%, respectively) compared with the urban natives.Conclusions: The results highlight significant institutional barriers preventing the temporary migrants from gaining access to public medical insurance and the adverse impact of disadvantaged socio-economic backgrounds on the access of temporary migrants to both public and commercial insurance.



Blood ◽  
2021 ◽  
Vol 138 (Supplement 1) ◽  
pp. 664-664
Author(s):  
Christopher T Su ◽  
Matthew J. Pianko ◽  
Minal Patel ◽  
Christine Veenstra

Abstract Introduction Currently, there are three FDA-approved novel multiple myeloma (MM) oral agents commonly used in clinical practice in the United States: two immunomodulators (lenalidomide [len] and pomalidomide [pom]) and one proteasome inhibitor (ixazomib [ixa]). The financial burden faced by patients with MM on these drugs can be considerable due to increasing long-term survival and extended periods of continuous single agent maintenance or multidrug combination regimens. To better understand the financial burden associated with extended use of these medications, we sought to leverage a real-world, all-claims insurance database to examine the outpatient drug copayments, associated fill patterns, and duration of therapy of these MM oral agents, stratified by insurance type. We hypothesize that copayments associated with oral MM agents will comprise a major portion of the overall drug copayment per patient, and fill patterns and duration of therapy of these medications will vary across patients of different insurance types. Methods We utilized outpatient drug claims derived from the 2014-2018 IBM/Truven MarketScan Commercial, Medicare Advantage, and Medicaid all-claims databases and extracted all outpatient claims from patients who filled at least one prescription (≥28-day duration) for len, pom, or ixa. Annual outpatient medication copayment and number of outpatient scripts were calculated for each patient, both for oral MM agents only and all outpatient prescriptions. Copayments were normalized to the cost per annum. Multivariable linear regression was used to compare outcomes between patients of the three insurance types. Results From 2014-2018, we identified 10,750 patients on len, 2,355 patients on pom, and 794 patients on ixa. These included patients with commercial insurance (53.5%), Medicare Advantage (37.8%), and Medicaid (8.7%). The average adjusted annual copayment per patient of len was $445 for commercial, $480 for Medicare Advantage, and $48 for Medicaid (Table 1). Len copayment comprised of 77-83% of the total outpatient drug copayment per patient. For pom, adjusted copayments were $460 for commercial, $749 for Medicare Advantage, and $128 for Medicaid. Pom copayment comprised 54-90% of the total. For ixa, adjusted copayments were $584 for commercial, $448 for Medicare Advantage and $2 for Medicaid. Ixa copayment comprised 7-48% of the total. Patients with commercial insurance generally filled more scripts for oral MM agents per year (6 len, 4 pom, 5 ixa) compared to those with Medicare Advantage (5 len, 5 pom, 4 ixa) and Medicaid (4 len, 4 pom, 4 ixa) (Table 2). However, patients with commercial insurance filled fewer overall outpatient scripts per year (31-37) compared to Medicare Advantage (35-42) and Medicaid (40-52). Insurance type was associated with the number of scripts filled for len (p&lt;0.0001) and ixa (p=0.01) after adjustment for age, but not pom (p=0.14). Among patients on oral MM therapy for more than one year, insurance type was associated with time on therapy for len (828 days for commercial, 873 days for Medicare Advantage, and 791 days for Medicaid, p=0.0004) (Table 3). However, insurance type was not associated with time on therapy for pom (p=0.83) or ixa (p=0.11). Discussion Our results demonstrate that copayments for oral MM agents comprise the majority of total outpatient drug copayments for patients with MM, suggesting that the out-of-pocket costs of these agents may be a key driver of financial burden. In addition to differences observed in the oral MM drug copayments, insurance type was also associated with the number of scripts filled and time on therapy for patients taking len. Thus, this suggests insurance type is also linked to drug utilization patterns and may indicate a differential financial burden in patients with MM on chronic oral therapy. Reducing the cumulative impact of financial toxicity for patients with MM is an important consideration for prescribers, payors, and health systems to achieve optimal clinical outcomes. Although our current dataset lacks diagnostic and treatment data, further correlative studies incorporating care utilization data, including inpatient admissions and outpatient clinical visits, are in progress. Figure 1 Figure 1. Disclosures Pianko: Karyopharm: Honoraria.



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