Zuvekas Samuel H
Center for Financing, Access and Cost Trends, Agency for Healthcare Research and Quality, 540 Gaither Road, Rockville, MD, 20853, USA,
J Behav Health Serv Res. 2015 Jul;42(3):279-91. doi: 10.1007/s11414-015-9459-6.
Little is known about how take-up of private health insurance coverage differs between those with and without mental disorders. This study seeks to fill this gap by using data from the 2004-2008 Medical Expenditure Panel Survey to examine differences in offers and take-up of employer-sponsored insurance (ESI) among adults aged 27-54. Little evidence that mental disorders are associated with take-up of offers of ESI coverage was found. This suggests that take-up rates in the Affordable Care Act (ACA) marketplaces by those with and without mental disorders may be similar. The ACA is especially important to Americans with mental disorders, many of whom lack access to ESI coverage to pay for mental health treatment either through their own job or through a spouse's job.
对于患有和未患有精神障碍的人群在购买私人医疗保险方面的差异，我们知之甚少。本研究旨在通过使用2004 - 2008年医疗支出面板调查的数据来填补这一空白，研究对象为27至54岁的成年人，以考察雇主提供的保险（ESI）在提供和购买方面的差异。几乎没有证据表明精神障碍与ESI保险覆盖范围的购买有关。这表明，患有和未患有精神障碍的人群在《平价医疗法案》（ACA）市场中的参保率可能相似。ACA对患有精神障碍的美国人尤为重要，他们中的许多人无法通过自己或配偶的工作获得ESI保险来支付心理健康治疗费用。
