Schramm C J
Health Insurance Association of America, Washington, DC 20036-3998.
JAMA. 1991 Jun 26;265(24):3296-9.
Access to health care financing can be achieved by using a combination of public and private initiatives aimed at every American who wants access to health care but is currently denied access. Small-employer market reforms that would guarantee the availability and affordability of coverage to small employers and their employees should be enacted. A private, not-for-profit reinsurance mechanism should be established to absorb losses for high-risk individuals and high-risk employer groups insured by carriers. State risk pools should be established to provide coverage to high-risk individuals who cannot obtain coverage through an employer. Tax assistance should be provided to small employers who make health care coverage available to their employees. The Medicaid program should be extended to cover all poor and near-poor Americans and to provide primary and preventive care for the near poor.
通过结合公共和私人举措，让每个想要获得医疗保健服务但目前无法获得的美国人都能实现医疗保健融资。应制定小型雇主市场改革措施，确保小型雇主及其员工能够获得并负担得起保险。应建立一个私人非营利性再保险机制，以承担承保公司为高风险个人和高风险雇主群体承保所产生的损失。应设立州风险池，为无法通过雇主获得保险的高风险个人提供保险。应为为员工提供医疗保健保险的小型雇主提供税收援助。医疗补助计划应扩大到覆盖所有贫困和接近贫困的美国人，并为接近贫困的人群提供初级和预防性护理。
