Blumberg Linda J, Holahan John, Hadley Jack, Nordahl Katharine
Health Policy Center, Urban Institute, Washington, DC, USA.
Health Aff (Millwood). 2007 Jul-Aug;26(4):w463-73. doi: 10.1377/hlthaff.26.4.w463. Epub 2007 Jun 4.
Recently, Massachusetts passed landmark legislation designed to expand health insurance coverage. This legislation includes a requirement that all adults enroll in a health insurance plan. This mandate takes effect only if an "affordable" plan is available. The definition of affordability for individuals and families of different incomes or circumstances is a critical decision in implementation and is relevant to any state or federal reform requiring individual premium or cost-sharing contributions, or both. This analysis was done to assist the policy design process in Massachusetts and delineates an empirically based approach to setting affordability standards.
最近，马萨诸塞州通过了具有里程碑意义的立法，旨在扩大医疗保险覆盖范围。这项立法包括一项要求，即所有成年人都要参加医疗保险计划。只有在有“负担得起”的计划时，这项强制规定才会生效。对于不同收入或情况的个人和家庭而言，可负担性的定义是实施过程中的一个关键决策，并且与任何要求个人支付保费或分担费用，或两者兼有的州或联邦改革都相关。进行这项分析是为了协助马萨诸塞州的政策设计过程，并勾勒出一种基于实证的方法来设定可负担性标准。
