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PubMed1995

Graduate students' health insurance status and preferences.

A survey of graduate and professional students at the University of Michigan revealed that many (12.6%) do not have healthcare coverage. Minority students and students who are financing their education with loans and scholarships are at a particularly high risk of being uninsured. Students are divided in their preferences for changes in policies and systems of coverage. Most of the students' preference is for the university to offer a modestly improved plan and a requirement that students prove insurance coverage. In addition, some students indicated that they would like to have an inexpensive plan as well as the current system of voluntary insurance. After the survey, university officials opted to continue with current offerings and to add an improved policy under a voluntary system.

Adult↗
PubMed1991

Determinants of health insurance status among young adults.

This study evaluates the determinants of insurance coverage in the 18-24-year-old population using the National Medical Care Utilization and Expenditure Survey. Three specific issues are addressed: 1) the characteristics of the insured versus uninsured, 2) the reason given by the uninsured for not having coverage, and 3) the role of employment status and other variables in determining insurance status. An important consideration is whether age or usual activity is more important in its effect on insurance status. The results show that employment is the strongest predictor of insurance status in all age and usual activity subgroups. Generally, permanent/full-time workers are most likely to be insured. An exception to this trend is found for those attending school who are also permanent/part-time workers. These individuals are more likely to be insured than permanent full-time workers who are in school. Furthermore, young adults with lower incomes, less education, rural residence, not married, hispanic ethnicity, and Western geography are the least likely to be insured. The findings of this analysis can be used by policymakers to identify the mechanisms that can best enhance insurance coverage among young adults.

Adult↗