| Paying more for less: older adults in the individual insurance market: findings from the Commonwealth Fund Survey of Older Adults. | |
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MedLine Citation:
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PMID: 16193606 Owner: HSR Status: MEDLINE |
Abstract/OtherAbstract:
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The Commonwealth Fund Survey of Older Adults reveals that adults ages 50 to 70 who rely on the individual insurance market for health coverage pay much higher premiums than their counterparts with employer coverage or Medicare. The survey found that in 2004, more than half (54%) of older adults with individual coverage spent $3,600 or more annually on premiums. A quarter (26%) spent $6,000 or more a year. In contrast, only 17 percent of older adults with employer coverage and 6 percent of those covered by Medicare spent $3,600 or more on premiums. Moreover, individual coverage often provides poor access to care and entails high out-of-pocket expenses for older adults, making it a particularly unaffordable option for people who are older, have low incomes, or who have chronic health problems. |
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Authors:
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Sara R Collins; Cathy Schoen; Michelle M Doty; Alyssa L Holmgren; Sabrina K How |
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Publication Detail:
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Type: Journal Article |
Journal Detail:
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Title: Issue brief (Commonwealth Fund) Volume: - ISSN: 1558-6847 ISO Abbreviation: Issue Brief (Commonw Fund) Publication Date: 2005 Jun |
Date Detail:
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Created Date: 2005-09-29 Completed Date: 2005-11-22 Revised Date: - |
Medline Journal Info:
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Nlm Unique ID: 101087100 Medline TA: Issue Brief (Commonw Fund) Country: United States |
Other Details:
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Languages: eng Pagination: 1-12 Citation Subset: T |
Affiliation:
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The Commonwealth Fund. SRC@cmwf.org |
Export Citation:
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APA/MLA Format Download EndNote Download BibTex |
| MeSH Terms | |
Descriptor/Qualifier:
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Aged* Costs and Cost Analysis Deductibles and Coinsurance Health Benefit Plans, Employee / economics* Health Care Surveys Health Services Accessibility Humans Insurance, Health / economics* Insurance, Pharmaceutical Services Medicare / economics* Middle Aged* Private Sector / economics* United States |
From MEDLINE®/PubMed®, a database of the U.S. National Library of Medicine
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