Mueller M S, Piro P A
Soc Secur Bull. 1976 Mar;39(3):3-20.
In 1974, more than three-fourths of the civilian population had substantial economic protection through private health insurance against the costs of hospital and surgical care. Smaller proportions were covered at least in part for other health care costs, usually after payment of deductibles and coinsurance. Consumers got back 87 percent of their premium dollars in the form of benefits. The rise in premium income in 1974 lagged 4 percentage points behind the growth in claims incurred. The result was a net underwriting loss of $359.7 million or 1.3 percent of premium income. Most consumers bought their health insurance protection through insurance companies, although Blue Cross-Blue Shield plans served about two-fifths of the insured population for hospital-associated care. In addition, about 6 percent received health care through independent prepayment and self-insured plans.
1974年，超过四分之三的平民人口通过私人医疗保险获得了针对住院和手术护理费用的实质性经济保障。较小比例的人至少部分地涵盖了其他医疗保健费用，通常是在支付免赔额和共同保险之后。消费者以福利的形式获得了其保费美元的87%。1974年保费收入的增长落后于赔付支出增长4个百分点。结果是净承保亏损3.597亿美元，占保费收入的1.3%。大多数消费者通过保险公司购买医疗保险保障，尽管蓝十字蓝盾计划为约五分之二的参保人口提供与医院相关的护理服务。此外，约6%的人通过独立预付费和自保计划获得医疗保健服务。
