Kralewski J E, Shapiro J, Chan H C, Edwards K, Liu Y L
Division of Health Services Research and Policy, School of Public Health, University of Minnesota, Minneapolis.
Minn Med. 1990 May;73(5):35-8.
This study of 1,482 farm families assesses the extent and cost of health insurance coverage among Minnesota farm families and finds that these families are buying less insurance coverage than urban families, while paying a higher proportion of their income for these premiums. More than three-fourths of the farm families surveyed buy their health insurance plan themselves and pay for it out of pocket. Their plans, on average, are slightly less expensive than employer-provided plans in urban areas, but they provide much less coverage and have more copayments and deductibles. Unlike their urban counterparts, who often choose health plans for convenience of location or freedom to choose physicians, farmers generally choose plans on the basis of costs and services provided. About 7 percent of farm families are without insurance, and many others are underinsured because they cannot afford to purchase an adequate plan.
这项针对1482个农场家庭的研究评估了明尼苏达州农场家庭的医疗保险覆盖范围及成本，发现这些家庭购买的保险覆盖范围比城市家庭少，同时为这些保费支付的收入比例更高。超过四分之三接受调查的农场家庭自行购买医疗保险计划并自掏腰包支付费用。他们的保险计划平均而言比城市地区雇主提供的计划略便宜，但覆盖范围要小得多，且有更多的自付费用和免赔额。与城市居民不同，城市居民通常为了就医地点便利或选择医生的自由而选择健康计划，而农民通常根据成本和所提供的服务来选择计划。约7%的农场家庭没有保险，还有许多家庭保险不足，因为他们买不起足够的保险计划。
