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未参保者与马萨诸塞州全民医保法废除之争

The uninsured and the debate over the repeal of the Massachusetts universal health care law.

作者信息

Blendon R J, Donelan K, Lukas C V, Thorpe K E, Frankel M, Bass R, Taylor H

机构信息

Department of Health Policy and Management, Harvard School of Public Health, Boston, MA 02115.

出版信息

JAMA. 1992 Feb 26;267(8):1113-7.

PMID:1735929
Abstract

OBJECTIVES

The debate in Massachusetts over the repeal of the first state-based "pay or play" universal health plan is discussed using data from a survey of 1066 Massachusetts households. The survey attempted to measure the problems of the uninsured, to estimate the likelihood that they would buy insurance if offered, and to calculate the proportion of the uninsured who would be covered under an employer mandate.

DESIGN

A survey conducted in person and by telephone in 1066 households, with an oversample of uninsured households, using stratification, clustering, disproportionate sampling, and poststatistical weighting.

PARTICIPANTS

Adults aged 18 years and older who were knowledgeable about the insurance status of persons in their household.

MAIN OUTCOME MEASURES

Insurance status, employment status, access to and use of health services, and willingness to purchase health insurance.

RESULTS

First, the present system of hospital-based uncompensated care in Massachusetts is inadequate by itself to meet the needs of uninsured residents. Uninsured persons are less likely than insured ones to seek medical care for chronic health problems and serious symptoms requiring evaluation. Second, 83% of uninsured families and 24% of uninsured individual respondents would purchase one of several insurance options with 30% of the cost subsidized. Last, the employer mandate provisions of the legislation would cover 43% of the uninsured in Massachusetts.

CONCLUSION

In the current economic climate, the political viability of the universal health care plan and similar national initiatives is uncertain given the intractable conflict between perceptions of the financial stability of small businesses that do not offer insurance and the health care needs of uninsured individuals.

摘要

目标

运用对1066户马萨诸塞州家庭的调查数据,探讨马萨诸塞州关于废除首个基于州的“支付或参保”全民健康计划的辩论。该调查旨在衡量未参保者面临的问题,估计他们在有机会时购买保险的可能性,并计算在雇主强制参保规定下可被覆盖的未参保者比例。

设计

对1066户家庭进行了面对面和电话调查,对未参保家庭进行了过度抽样,采用分层、聚类、非比例抽样和事后统计加权。

参与者

年龄在18岁及以上且了解其家庭成员保险状况的成年人。

主要观察指标

保险状况、就业状况、获得和使用医疗服务的情况以及购买医疗保险的意愿。

结果

首先,马萨诸塞州目前基于医院的无偿医疗体系本身不足以满足未参保居民的需求。未参保者比参保者更不可能因慢性健康问题和需要评估的严重症状而寻求医疗护理。其次,83%的未参保家庭和24%的未参保个人受访者会购买几种保险选项中的一种,其中30%的费用有补贴。最后,该立法中的雇主强制参保规定将覆盖马萨诸塞州43%的未参保者。

结论

在当前经济形势下,鉴于在不提供保险的小企业的财务稳定性认知与未参保个人的医疗需求之间存在难以解决的冲突,全民医疗保健计划及类似的全国性倡议在政治上的可行性尚不确定。

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