Benjamin B. Albright (
Fumiko Chino is an assistant attending in the Department of Radiation Oncology, Memorial Sloan Kettering Cancer Center, in New York, New York.
Health Aff (Millwood). 2021 Aug;40(8):1294-1303. doi: 10.1377/hlthaff.2020.02496.
An important function of health insurance is protecting enrollees from excessively burdensome charges for unanticipated medical events. Unexpected surgery can be financially catastrophic for uninsured people. By targeting the low-income uninsured population, Medicaid expansion had the potential to reduce the financial risks associated with these events. We used two data sources (state-level data for forty-four states and patient-level data for four states) to estimate the association of Medicaid expansion with uninsured surgical hospitalizations among nonelderly adults. Uninsured surgery cases were typically admitted through the emergency department-often for common emergency procedures-and 99 percent of them were estimated to be associated with financially catastrophic visit charges. We found that Medicaid expansion was associated with reductions in both the share (6.20 percent) and the population rate (7.85 per 10,000) of uninsured surgical discharges in expansion versus nonexpansion states. Our estimates suggest that in 2019 alone, adoption of Medicaid expansion in nonexpansion states could have prevented more than 50,000 incidences of catastrophic financial burden resulting from uninsured surgery.
医疗保险的一个重要功能是保护参保人免受意外医疗事件带来的过高费用负担。对于没有保险的人来说,意外手术可能会带来灾难性的经济后果。通过针对低收入的无保险人群进行医疗补助扩大覆盖范围,有可能降低与这些事件相关的财务风险。我们使用了两个数据源(44 个州的州级数据和 4 个州的患者级数据)来估计医疗补助扩大覆盖范围与非老年成年人未参保手术住院之间的关联。未参保手术的病例通常通过急诊部门入院——通常是进行常见的急诊程序——其中 99%的病例估计与财务上灾难性的就诊费用有关。我们发现,与非扩大覆盖范围的州相比,医疗补助扩大覆盖范围与未参保手术出院的比例(6.20%)和人口比例(每 10000 人 7.85 人)都有所下降。我们的估计表明,仅在 2019 年,在没有扩大覆盖范围的州采用医疗补助扩大覆盖范围,就可以防止超过 50000 例因未参保手术而导致的灾难性经济负担的发生。