Tanner Rachel, Bercaw Lawren
Issue Brief Health Policy Track Serv. 2005 Dec 31:1-10.
As the "Baby Boom" generation approaches retirement, state and federal lawmakers are struggling to ensure that the nation's long-term care system will provide adequate services for the growing number of senior citizens. A 2003 Administration on Aging report predicted that the elderly population will double by 2030. Accordingly, policymakers must prepare for the impending squeeze on public health and Medicaid resources. Many consumers are exploring private long-term care insurance options as a means of preparing for the cost of eldercare. Yet, a lack of market uniformity has rendered the long-term care insurance industry somewhat difficult for consumers to decipher. In addition, senior care insurance is often costly, particularly for those over age 50.
随着“婴儿潮”一代临近退休年龄，州和联邦立法者正在努力确保国家的长期护理系统能够为日益增多的老年人提供足够的服务。美国老龄问题管理局2003年的一份报告预测，到2030年老年人口将翻倍。因此，政策制定者必须为即将到来的公共卫生和医疗补助资源紧张状况做好准备。许多消费者正在探索购买私人长期护理保险，作为应对老年护理费用的一种方式。然而，市场缺乏统一性使得长期护理保险行业对消费者来说有些难以理解。此外，老年护理保险往往成本高昂，对于50岁以上的人来说尤其如此。
