Monheit A C, Hagan M M, Berk M L, Farley P J
Inquiry. 1985 Winter;22(4):348-64.
Although most private health insurance is obtained through the workplace, important gaps remain in the present system of employment-related coverage. National survey data reveal that more than 9 million persons with employment experience are uninsured, who, with their uninsured dependents, account for three-quarters of all persons who lack coverage. This paper examines the circumstances and characteristics of the employed uninsured, including their opportunity to secure health insurance fringe benefits, their medical care use and expenditures, and the benefits available in private insurance that is not work related. Alternative public policy responses to the problem of lack of health insurance coverage are also considered.
尽管大多数私人医疗保险是通过工作场所获得的，但当前与就业相关的保险体系仍存在重大缺口。全国调查数据显示，超过900万曾经有过工作经历的人没有保险，这些人及其未参保的家属占所有未参保人员的四分之三。本文考察了就业但未参保人员的情况和特征，包括他们获得健康保险附加福利的机会、他们的医疗服务使用情况和支出，以及与工作无关的私人保险所提供的福利。本文还考虑了针对医疗保险覆盖不足问题的替代性公共政策应对措施。
