Short P F, Banthin J S
Center for Intramural Research, Agency for Health Care Policy and Research, Rockville, MD, USA.
JAMA. 1995 Oct 25;274(16):1302-6.
We estimate that at least 29 million Americans with private insurance are underinsured. That figure identifies the underinsured younger than 65 years by the risk of large out-of-pocket expenditures for an unusually expensive, catastrophic illness. A slightly smaller number, about 25 million, are underinsured by an alternate definition: they have insurance that pays a smaller proportion of claims than the plan with the largest enrollment in the federal employee program. The federal employee plan was the insurance standard proposed in several recent health system reform bills. Our estimate of the number of people who are underinsured for catastrophic illness is almost half again larger than the number that was widely cited during last year's debates on health system reform. That estimate was based on the same concept but was projected from a study published 10 years ago.
我们估计，至少有2900万拥有私人保险的美国人保险不足。这一数字确定了65岁以下因患上极其昂贵的灾难性疾病而面临高额自付费用风险的保险不足人群。按照另一种定义，保险不足的人数略少，约为2500万：他们所拥有保险支付索赔的比例低于联邦雇员计划中参保人数最多的计划。联邦雇员计划是最近几项医疗体系改革法案中提议的保险标准。我们对灾难性疾病保险不足人数的估计几乎比去年医疗体系改革辩论期间广泛引用的数字多出近一半。该估计基于相同概念，但依据的是10年前发表的一项研究推算得出。
