Powell-Griner E, Bolen J, Bland S
National Center for Chronic Disease Prevention and Health Promotion, Centers for Disease Control and Prevention, Atlanta, GA 30341, USA.
Am J Public Health. 1999 Jun;89(6):882-6. doi: 10.2105/ajph.89.6.882.
It has been proposed that individuals aged 55 to 64 years be allowed to buy into Medicare. This group is more likely than younger adults to have marginal health status, to be separating from the workforce, to face high premiums, and to risk financial hardship from major medical illness. The present study examined prevalence of health insurance coverage by demographic characteristics and examined how lack of insurance may affect use of preventive health services.
Data were obtained from the Behavioral Risk Factor Surveillance System, an ongoing telephone survey of adults conducted by the 50 states and the District of Columbia.
Many near-elderly adults least likely to have health care coverage were Black or Hispanic, had less than a high school education and incomes less than $15,000 per year, and were unemployed or self-employed. Health insurance coverage was associated with increased use of clinical preventive services even when sex, race/ethnicity, marital status, and educational level were controlled.
Many near-elderly individuals without insurance will probably not be able to participate in a Medicare buy-in unless it is subsidized in some way.
有人提议允许55至64岁的个人加入医疗保险。与年轻成年人相比，这个群体更有可能处于边缘健康状态，正在脱离劳动力队伍，面临高额保费，并且有因重大疾病而陷入经济困境的风险。本研究按人口统计学特征调查了医疗保险覆盖情况，并研究了未参保可能如何影响预防性健康服务的使用。
数据来自行为危险因素监测系统，这是一项由50个州和哥伦比亚特区对成年人进行的持续电话调查。
最不可能拥有医疗保险的许多临近老年人是黑人或西班牙裔，未受过高中教育，年收入低于15,000美元，并且处于失业或自营职业状态。即使在控制了性别、种族/族裔、婚姻状况和教育水平的情况下，医疗保险覆盖也与临床预防性服务使用的增加相关。
许多未参保的临近老年人可能无法参与医疗保险购买计划，除非该计划以某种方式得到补贴。
