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Uninsured, Under-Insured

Primary Listings

Average Cost of Hospital Stay, 2012 (Uninsured and Medicaid)

Statistical Brief #182 shows an estimated average true cost of $8800 (expect prices to be two to 4 times higher) for hospitalizing an uninsured patient. Average private pay stay was $9700 in cost. Average age of an uninsured admission was 39, almost 2 1/2 yrs older than a private pay patient. Almost 54% were male. Excluding childbirth, the most common reasons for admission were mood disorders (#!) and skin infections (#2, a potentially avoidable admission). Medicaid characteristics also shown. Published by AHRQ with HCUP data, Oct. 2014

Covering Health Issues - for journalists (pdf)

Covering Health Issues is a large document from the nonprofit Alliance for Health Reform that provides baseline information on a wide variety of healthcare issues, including long term care, mental health. Written with reporters and journalists in mind; 220 pages; 2011, with portions updated 2012

Employer-sponsored Health Insurance declines, Dec. 2012 (EPI)

The Economic Policy Institute (EPI), a nonprofit think tank based in Washington DC, briefing paper shows that employer-provided health insurance coverage declined for eleventh consecutive year, prior to the (2014) insurance exchanges through the Affordable Care Act. Reports trends from 2000 to 2011 and high-level analysis of who receives employer-sponsored insurance (58% of adults under age 65), by state. Dec. 2012

Employment and Health Insurance Coverage, 2010

Detailed look at sources of health insurance and characteristics of the Uninsured, for people under age 65, based on the March 2011 Current Population Survey (CPS). About 69% of workers age 18-64 (60% of adults ages 18-64) had employment-based insurance. More than one-third of workers in private sector companies with fewer than 10 employees, were uninsured. The rate of workers in companies of 10 to 49 employees, and self-employed people without health insurance was 28%. Self-employed workers had the highest rate of purchasing health insurance themselves (21.7%), compared to 5% of those in firms of 1000 or more workers. Public sector workers had the best rate of employment-based coverage (85%), with 6% purchasing their own insurance. EBRI Issue Brief No. 362, published September 2011

Health Insurance Coverage Estimates (June 2011)

CDC estimates from the National Health Interview Survey, 2010, show 16.0% of people in US were uninsured at the time of the interview (48.6 million people). Over 60 million had been uninsured for at least part of the year prior to the interview, higher than the prior year. Over 25.3% of people under age 65 with private insurance were enrolled in a High Deductible Health Plan (HDHP). PDF version is easier to read (28 pages)

Health Insurance Coverage in US, 2016 (Sept. 2017)

US Census Bureau report (at census.gov) shows 28.1 million people without health insurance in 2016 (vs. 49.9 million in 2010). The percentage of people without insurance coverage was 8.8%. About 119 million (of 320M) are covered by government health insurance, up by 1 million from 2015. Report published September 2017

Health Insurance Status of Full-time Workers (MEPS)

Statistical Brief #317 shows about 86% of full-time workers had private health insurance in 2008. However, 44% of full-time workers at poor/ near poor wages (up to 125% of poverty level) were uninsured. For those with less than a high school education, 40% were uninsured; for full-time self-employed, 32% were uninsured. Leisure/hospitality industry workers had a 20% uninsured rate. MEPS data, 2008, published March 2011

Long-Term Uninsured, People under Age 65 (Dec. 2014 pdf)

Using MEPS data, the largest segments of US population without health insurance for 4 years (2009-2012) include Hispanics (18.5% of the under-65 population, but 42.2% of the 4-year uninsured); the Poor Income group (17.5% of population, but 27.2% of long-term uninsured); those in Fair/Poor Health (11.1% compared to those in Excellent Health at 6.1%) and 25-29 year olds (15.8% rate). Note, this is before the ACA expanded coverage occurred in 2014. AHRQ Statistical Brief #464, Dec. 2014

Medical Cost Advocate

If you need help negotiating your bills, this commercial company will help get the price down. They take 35% of the savings.

Previously Uninsured Have Higher Medicare Expenses - 2009

Link to Pubmed abstract in December 2009 Annals of Internal Medicine on study of 4567 adults who didn't have insurance prior to enrolling in Medicare. Once acquiring coverage, those with diabetes, heart disease or joint replacements had 21% higher medical expenditures through Medicare, than those who were previously insured. Article by McWilliams, Meara et al.

State Comparisons: Health Insurance Coverage of Nonelderly 0-64, by state (2014)

Have you ever wondered where the 32 million people under age 65 and without health insurance are located, after the Exchange went into effect? Kaiser Family Foundation shows the number uninsured by state. Ten states make up 59% (over 19 million) of the US uninsured under 65: Texas, California, Florida, Georgia, New York, North Carolina, Illinois, Pennsylvania New Jersey and Ohio. KFF statehealthfacts.org updated 2015

Estimates of Uninsured in Each County, US Census Bureau  Editor's Pick

Estimates of the number and percent uninsured under age 65, by state and county for 2015, provided by the U.S. Census Bureau. Small Area Health Insurance Estimates (SAHIE) released 2017. Once you've located your counties of interest, click on TABLE to see the actual numbers and recent trends. Remember 2014 was the first year subsidized insurance was available on the health insurance exchange

Other Helpful Listings

Diabetes Hospitalizations, average cost & length of stay, 2008

Admission to a hospital in 2008 for a principal diagnosis of diabetes cost an average of $8612 (estimated true cost - note, prices would have been higher), and required a 5.0 day length of stay. Average age was 53, with 72% coming through the Emergency room (ED). AHRQ Statistical Brief #93 published Aug. 2010

Muskegon MI Access Health "Three-Share" Plan Innovation

Case study of Muskegon, Michigan's Three-Share health insurance plan where employers and employees each pay 30% and the community pays the remaining 40%. Automobile accidents and organ transplants are not covered, but primary care and prescriptions are. Innovative program 2005; report by EBRI - Employee Benefit Research Institute. Find 2010 C3 rates at access-health.org under Our C3 Initiative

National Healthcare Disparities Report, NHDR 2011 (pdf)

Comprehensive national overview of disparities in health care in America. This report (NHDR) concludes that health care quality and access are suboptimal for minority and low-income groups. While quality is improving, access and disparities are not improving. Healthcare disparities based on race and income, are examined. Huge file (256 pg) pub. Mar. 2012 by the federal AHRQ

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