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Changes in Coverage in the Individual and Group Health Insurance Markets and the Effect of Health Status
(Report)
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Author(s): Bradley Herring, Xue Song and Mark Pauly |
Organization(s): Johns Hopkins University |
Although the vast majority of privately insured people in the U.S. obtain their coverage in the employment-based group market, about 17 million people under age 65 were insured in the individual health insurance market in 2006. About 47 million people, or 16% of the total U.S. population, were without health insurance coverage in 2006. Researchers know relatively little about how the group and individual markets actually function for those with chronic health conditions, and much of what we know is based on point-in-time analyses of insurance coverage. However, insurance coverage is actually very dynamic due to changes in employment and because eligibility for public programs typically depends on income and other criteria. This paper provides an in-depth look at the impact of health status on changes in coverage in these insurance markets using data from the Medical Expenditure Panel Survey. We also use these data to examine the effect of health status on changes in premiums in the individual insurance market. [38 PDF pages] |
Published: April, 2008 |
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Overview of the Uninsured in the United States: An analysis of the 2007 Current Population Survey
(Issue Brief)
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Author(s): Office of Health Policy |
Organization(s): ASPE |
According to the Census Bureau's 2007 Current Population Survey (CPS), there were 47 million uninsured individuals in 2006, or 15.8% of the civilian non-institutionalized population. Those that lack insurance represent a diverse group. Understanding the uninsured population is important for policy makers looking to design solutions to the problem. This report describes insurance coverage in the United States, as well as the key demographic characteristics of the uninsured. |
Published: August, 2007 |
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TRIM3 Simulations of Full-Year Uninsured Children and their Eligibility of Medicaid and SCHIP
(Report)
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Author(s): Kenneth Finegold and Linda Giannarelli |
This paper estimates the number of full-year uninsured children and the share of them eligible for Medicaid or SCHIP using the TRIM3 microsimulation model. This model applies detailed state-specific rules to determine which individuals represented in the Current Population Survey (CPS) are eligible for Medicaid and/or SCHIP. Other key aspects of the model are the correction for underreporting of Medicaid, SCHIP, and other public benefits in the CPS and the imputation of immigrant legal status. Corrections for underreporting involve simulating additional enrollees so that reported coverage on the CPS matches totals given in the program administrative data. Imputation for immigrant legal status is required because this information is not provided in the CPS but is required to estimate eligibility. |
Published: June, 2007 |
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Continuation of Research on Consumer Directed Health Plans: HSA Simulation Model Refinement
(Report)
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Author(s): S.T. Parente and R. Feldman |
Organization(s): University of Minnesota |
In previous work for ASPE, the University of Minnesota developed a model to simulate the effects of the Medicare Modernization Act of 2003 on the take-up of high-deductible health insurance plans. Under the current project, this model was refined in two ways: 1) the effects of prior health status was added to the selection of plan choice, and 2) the method of estimating the tax cost of various subsidy proposals was modified to include an offsetting reduction in tax subsidies for people who drop subsidized employer-sponsored health insurance. Finally, simulation changes in coverage were performed for proposals outlined in the President's 2006 State of the Union speech. |
Published: January, 2007 |
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Executive Summary
PDF Executive Summary
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Understanding Estimates of the Uninsured:
(Issue Brief)
Putting the Differences in Context |
Author(s): ASPE |
Organization(s): ASPE |
A discussion of the various government surveys that produce estimates of the number of people without health insurance. |
Published: September, 2005 |
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Overview of the Uninsured in the United States:
(Issue Brief)
An analysis of the 2005 Current Population Survey |
Organization(s): ASPE/Office of Health Policy |
According to the Census Bureau's 2005 Current Population Survey (CPS), 45.8 million individuals in 2004 or 15.7% of the civilian non-institutionalized population were uninsured. Those that lack insurance represent a diverse group. Understanding the uninsured population is important for policy makers looking to design solutions to the problem. This Issue Brief describes insurance coverage in the United States and describes the key demographic characteristics of the uninsured. |
Published: September, 2005 |
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Estimating the Number of Individuals in the U.S. Without Health Insurance
(Report)
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Author(s): Cathi Callahan, Jim Mays, George Greenberg, Rob Stewart |
Organization(s): Acturarial Research Corporation (ARC) |
The Census Bureau's Current Population Survey (CPS) has long served as the most widely-cited source of statistics on the nation's uninsured. But over time, the CPS has undergone several methodological changes that create some inconsistency in the time series of uninsured date. This report presents the Acturarial Research Corporation's (ARC) adjustments to the CPS to create a consistent time series. |
Published: April, 2005 |
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TRIM3's 2001 Baseline Simulation of the Medicaid and SCHIP Eligibility and Enrollment: Methods and Results,
(Report)
TRIM3 Microsimulation Project Technical Paper |
Author(s): Linda Giannarelli, Paul Johnson, Sandi Nelson, and Meghan Williamson |
Organization(s): Urban Institute |
The TRIM microsimulation model produces a baseline of Medicaid and SCHIP eligibility and enrollment using adjustments that correct for the undercount in program participation on the Current Population Survey (CPS). This report presents a detailed explanation of the TRIM mmethodology. |
Published: April, 2005 |
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Research Note: The Long-Term Uninsured
(Issue Brief)
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Author(s): Rob Stewart and Jeffrey Rhoades |
Organization(s): ASPE and the Agency for Healthcare Research and Quality (AHRQ) |
Researchers at the U.S. Department of Health and Human Services (HHS) performed an analysis of the Medical Expenditure Panel Survey (MEPS) to investigate the characteristics of those who are uninsured for 13-24 months over a two-year period. For this analysis people uninsured for over one year are referred to as "the long-term uninsured." |
Published: September, 2004 |
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Health Care Coverage Among Child Support-Eligible Children
(Report)
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Author(s): Laudan Y. Aron |
Organization(s): Urban Institute |
This report analyzes data from the 1999 National Survey of America's Families (NSAF) to determine the health care coverage status of child support-eligible children who live with their mothers and estimates their eligibility for Medicaid and the State Children's Health Insurance Program (SCHIP). |
Published: December, 2002 |
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