Bernard Didem M, Banthin Jessica S, Encinosa William E
Agency for Healthcare Research and Quality (AHRQ) in Rockville, Maryland, USA.
Health Aff (Millwood). 2009 May-Jun;28(3):887-96. doi: 10.1377/hlthaff.28.3.887.
There have been debates over how many uninsured people can afford insurance but refuse to purchase it. Examining the difference in asset holdings between the privately insured and the uninsured, we found that the difference in purchasing power is not fully revealed by income comparisons. Median income among the privately insured is 2.9 times that of the uninsured, but median wealth among those with private insurance is 23.2 times that of the uninsured. Our results suggest that assets are an important determinant of effective affordability, undermining the notion that many people are uninsured by choice.
关于有多少未参保人员有能力购买保险却拒绝购买，一直存在争议。通过研究私人保险参保者和未参保者之间资产持有情况的差异，我们发现，购买力的差异并不能完全通过收入比较体现出来。私人保险参保者的收入中位数是未参保者的2.9倍，但有私人保险者的财富中位数是未参保者的23.2倍。我们的研究结果表明，资产是有效支付能力的一个重要决定因素，这削弱了许多人是自愿未参保这一观点。
