Porterfield Shirley L, Huang Jin
Shirley L. Porterfield (
Jin Huang is an assistant professor of social work at Saint Louis University, in Missouri.
Health Aff (Millwood). 2016 May 1;35(5):873-9. doi: 10.1377/hlthaff.2015.1262.
Beginning in 2010 the Affordable Care Act (ACA) allowed young adults (ages 19-25) to remain on their parents' private health insurance plans, even if they were not full-time students. This study investigated the impact of the ACA on health insurance coverage for young adults with disabilities, comparing their experience with that of young adults without disabilities and that of a group of older adults (ages 26-34) with disabilities. We analyzed the periods 2006-09 and 2011-14, which were before and after implementation of the dependent coverage provision in the ACA, respectively. Coverage gains for older adults with disabilities were entirely attributable to changes in public insurance. Gains for young adults overall were driven by changes in private insurance. Both young adults with and without disabilities experienced a 4-percentage-point increase in private health insurance coverage between the two time periods, so the gap in private coverage between the two groups did not change significantly over time. Gains in coverage affected perhaps 2.9 million young adults overall and nearly 300,000 young adults with disabilities.
自2010年起，《平价医疗法案》（ACA）允许年轻成年人（19至25岁）继续留在其父母的私人健康保险计划中，即便他们并非全日制学生。本研究调查了ACA对残疾年轻成年人医疗保险覆盖情况的影响，并将他们的经历与非残疾年轻成年人以及一组残疾年长成年人（26至34岁）的经历进行了比较。我们分析了2006 - 09年和2011 - 14年这两个时间段，它们分别是ACA受抚养人保险条款实施之前和之后的时期。残疾年长成年人的保险覆盖增加完全归因于公共保险的变化。总体而言，年轻成年人保险覆盖的增加是由私人保险的变化推动的。在这两个时间段内，残疾和非残疾年轻成年人的私人健康保险覆盖率均提高了4个百分点，因此随着时间推移，两组之间的私人保险覆盖差距并未显著变化。保险覆盖的增加总体上可能影响了约290万年轻成年人以及近30万残疾年轻成年人。
