Cantiello John, Fottler Myron D, Oetjen Dawn, Zhang Ning Jackie
Department of Health Administration and Policy, College of Health and Human Services, George Mason University, 4400 University Drive, MS 1J3, Fairfax, 22030, , VA, USA.
Department of Healthcare Management and Informatics, College of Health and Public Affairs, University of Central Florida, 4000 Central Florida Blvd, 32816, Orlando, FL, USA.
BMC Health Serv Res. 2015 May 12;15:195. doi: 10.1186/s12913-015-0848-6.
The large number of uninsured individuals in the United States creates negative consequences for those who are uninsured and for those who are covered by health insurance plans. Young adults between the ages of 18 and 24 are the largest uninsured population subgroup. This subgroup warrants analysis. The major aim of this study is to determine why young adults between the ages of 18 and 24 are the largest uninsured population subgroup.
The present study seeks to determine why young adults between the ages of 18 and 24 are the largest population subgroup that is not covered by private health insurance. Data on perceived health status, perceived need, perceived value, socioeconomic status, gender, and race was obtained from a national sample of 1,340 young adults from the 2005 Medical Expenditure Panel Survey and examined for possible explanatory variables, as well as data on the same variables from a national sample of 1,463 from the 2008 Medical Expenditure Panel Survey.
Results of the structural equation model analysis indicate that insurance coverage in the 2005 sample was largely a function of higher socioeconomic status and being a non-minority. Perceived health status, perceived need, perceived value, and gender were not significant predictors of private health insurance coverage in the 2005 sample. However, in the 2008 sample, these indicators changed. Socioeconomic status, minority status, perceived health, perceived need, and perceived value were significant predictors of private health insurance coverage.
The results of this study show that coverage by a private health insurance plan in the 2005 sample was largely a matter of having a higher socioeconomic status and having a non-minority status. In 2008 each of the attitudinal variables (perceived health, perceived value, and perceived need) predicted whether subjects carried private insurance. Our findings suggest that among those sampled, the young adult subgroup between the ages of 18 and 24 does not necessarily represent a unique segment of the population, with behaviors differing from the rest of the sample.
美国大量未参保人员给未参保者本人以及那些拥有医疗保险计划的人都带来了负面影响。18至24岁的年轻人是最大的未参保人群亚组。这一亚组值得分析。本研究的主要目的是确定为何18至24岁的年轻人是最大的未参保人群亚组。
本研究旨在确定为何18至24岁的年轻人是未被私人医疗保险覆盖的最大人群亚组。关于自我感知健康状况、感知需求、感知价值、社会经济地位、性别和种族的数据，是从2005年医疗支出小组调查的1340名年轻人的全国样本中获取的，并对可能的解释变量进行了检验，同时还获取了2008年医疗支出小组调查的1463名全国样本中相同变量的数据。
结构方程模型分析结果表明，2005年样本中的保险覆盖情况在很大程度上取决于较高的社会经济地位以及非少数族裔身份。自我感知健康状况、感知需求、感知价值和性别在2005年样本中并非私人医疗保险覆盖情况的显著预测因素。然而，在2008年样本中，这些指标发生了变化。社会经济地位、少数族裔身份、自我感知健康、感知需求和感知价值是私人医疗保险覆盖情况的显著预测因素。
本研究结果表明，2005年样本中私人医疗保险计划的覆盖情况在很大程度上取决于拥有较高的社会经济地位和非少数族裔身份。在2008年，每个态度变量（自我感知健康、感知价值和感知需求）都能预测受试者是否拥有私人保险。我们的研究结果表明，在抽样人群中，18至24岁的年轻人群亚组不一定代表一个独特的人群细分，其行为与样本中的其他人群不同。
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