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PubMedDate not supplied

The decline in health insurance and labor market trends.

Since the mid-1980s, there has been a reduction in the percentage of workers with employment-based health insurance. In 1993, 68.6 percent of workers had this insurance, compared with 72.9 percent in 1988. The decline was slightly more pronounced among workers obtaining their insurance indirectly, i.e., through someone else's employer. There was a decline in direct employment-based health insurance (coverage through one's own employer) with proportions dropping from 56.1 percent in 1988 to 54.1 percent in 1993. The model used in this analysis identified the factors associated with the decline in employment-based health insurance. The data used were those from the 1989 and 1994 supplements to the Current Population Survey (CPS) conducted by the U.S. Bureau of the Census. The data analyses identified about 55 percent of the factors influencing decreases in employment-based coverage between 1988 and 1993. These factors include decreases in real wages, a small movement toward the use of part-time workers, movements from the goods-producing sector to the service-producing sector, changes in unemployment rates, rising health care costs and the changing racial composition of the work force. The relative proportion each of the factors contributed to the decline, as well as the counterbalancing influence of age, education, firm size, occupation and marital status is discussed.

Adolescent↗
PubMed2000

Type of health insurance and the quality of primary care experience.

OBJECTIVES: This study examined the association between type of health insurance coverage and quality of primary care as measured by its distinguishing attributes--first contact, longitudinality, comprehensiveness, and coordination. METHODS: The household component of the 1996 Medical Expenditure Panel Survey was used for this study. The analysis primarily focused on subjects aged younger than 65 years who identified a usual source of care. Logistic regressions were used to examine the independent effects of insurance status on primary care attributes while individual sociodemographic characteristics were controlled for. RESULTS: The experience of primary care varies according to insurance status. The insured are able to obtain better primary care than the uninsured, and the privately insured are able to obtain better primary care than the publicly insured. Those insured through fee-for-service coverage experience better longitudinal care and less of a barrier to access than those insured through health maintenance organizations (HMOs). CONCLUSIONS: While expanding insurance coverage is important for establishing access to care, efforts are needed to enhance the quality of primary health care, particularly for the publicly insured. Policymakers should closely monitor the quality of primary care provided by HMOs.

Adolescent↗
PubMed1994

[Nine months German Statutory Health Insurance Structural Reform Law--effects and perspectives].

In 1992 the German Statutory Health Insurance body was in the red by about 9,000 million DM and had the highest membership fees ever since it was created. Costing analysis revealed the following reasons for this enormous deficit: too expensive hospital financing a continually growing number of doctors and dental surgeons unrational drug prescription and supply. Of course, medical progress and demographic development are very significant costing factors. When assessing the impact of the Structural Reform Legislation we must differentiate between purely cost-reducing measures and structural changes. Cutting down the budgets in essential areas of compensation payment and slashing doctor's fees are like putting your foot down on the brake pedal. The statutory health insurance data for the first two quarters showed: doctors +3.4%, dental surgeons -4.3%. Limiting the budget for drugs to about 24,000 million DM and for remedial items to about 4,000 million DM with a possible collective slashing of the fees paid to doctors if these budgets were exceeded, proved to be an effective cost-reducing measure. In the case of drugs costs went down by 20.1% compared with the previous year (1992) due to an halt in prices charged by the drug industry and greater financial participation on the part of the patients. Prescriptions were reduced to a comparatively slight extent (1-2%), but the mode of prescription was much more economical.(ABSTRACT TRUNCATED AT 250 WORDS)

Cost Control↗
PubMedDate not supplied

The 'graying' of group health insurance.

We examine differential declines in private insurance by income and age. We show that older, higher-income people in working families are more likely to retain private coverage as premiums rise, and we project these effects on future coverage rates. The analysis suggests that trends are leading to the "graying" of the employment-based health insurance system, where older, higher-income people get private health insurance, and others increasingly have public coverage or go without. These changes raise questions about the private health care system's ability to pool health risks. Population aging could interact with rising premiums and place additional pressure on an already strained employment-based health insurance system.

Adolescent↗
PubMed2002

Quantitative evaluation of prostatectomy for benign prostatic hypertrophy under a national health insurance law: a multi-centre study.

Assessing regional variation between various medical centres in diagnostic and surgical processes is an approach aimed at evaluating the quality of care. This study analyses the differences between eight medical centres in Israel, where all citizens are covered by medical insurance, through the National Health Insurance Law (NHIL). The analysis refers to the diagnostic process, type of surgery and immediate post-surgical complications associated with prostatectomy for benign prostatic hypertrophy (BPH), which is the most frequent surgical procedure performed on men aged 50+. The study sample was comprised of 261 consecutive prostatectomy patients operated on in eight Israeli medical centres (MC), located in various parts of the country, between November 1996 and April 1997. Co-operation with participating directors of surgical wards was obtained after confidentiality of information had been assured. Surgeons in selected departments abstracted data routinely recorded in the patient's file and filled-out a standard one-page questionnaire. The following items were included: age, the presence of accompanying chronic diseases, preoperative tests, type of operation, and post-surgical complications. In the various MCs 32.6% of the patients underwent more than five preoperative tests ranging from 8.9% to 88.9% (<0.01). Assessment of kidney and bladder normality ranged from 75% to 100% (P < 0.01). The rate of patients whose prostatic symptoms (I-PSS) were assessed ranged from 0% to 79% (P < 0.01). There were also differences in severity of prostatism between the MCs, with severe symptoms ranging from 54.0% to 89.3% (P < 0.05), for type of operation performed (for 'open' prostatectomies, 35.4% to 68.0%, P < 0.01) and post-operative complications (19.0% to 41.6%, P = 0.07). After controlling for case-mix, type of operation was the most important predictor for post-surgical complications. MCs with low volume of surgeries had a higher rate of postoperative complications. We conclude that diagnostic and type of operation and post-surgical complications differed between various MCs. Participating surgeons were willing to fill out a one-page standard questionnaire from data routinely recorded in patients' files.

Aged↗
PubMed1992

Adverse selection with a multiple choice among health insurance plans: a simulation analysis.

This study uses simulation methods to quantify the effects of adverse selection. The data used to develop the model provide information about whether families can accurately forecast their risk and whether this forecast affects the purchase of insurance coverage--key conditions for adverse selection to matter. The results suggest that adverse selection is sufficient to eliminate high-option benefit plans in multiple choice markets if insurers charge a single, experience-rated premium. Adverse selection is substantially reduced if premiums are varied according to demographic factors. Adverse selection is also restricted in supplementary insurance markets. In this market, supplementary policies are underpriced because a part of the additional benefits that purchasers can expect is a cost to the base plan and is not reflected in the supplementary premium. As a result, full supplementary coverage is attractive to both low and high risks.

Actuarial Analysis↗