HEALTH INSURANCE COVERAGE OF WORKING-AGE ADULTS

Transcription

1 HEALTH INSURANCE COVERAGE OF WORKING-AGE ADULTS

2 One-Third of Working-Age Adults Were Currently Uninsured or Had a Recent Gap* Currently Uninsured 19% Recent Gap* 13% Continuously Insured 68% 164 million adults age * Recent gap = insured when surveyed but had a period in past 2 years without coverage

3 Low-Income, Working-Age Adults Were More Likely to Be Uninsured or to Have Had a Recent Gap* Recent Gap 17% Currently Uninsured 8% Recent Gap 11% Currently Uninsured 36% Continuously Insured 48% Continuously Insured 81% <20 of poverty 20+ of poverty * Recent gap = insured when surveyed but had a period in past 2 years without coverage

4 Two-Thirds of Adults with a Time Uninsured Were Uninsured for One Year or More 2 Years or More 44% Up to 3 Months 15% 12 to 23 Months 2 4 to 11 Months 21% 52 million adults age currently uninsured or recent gap

5 Cost and Lack of Employer Benefits Were the Main Reasons for Not Having Insurance Reasons for not having health insurance 6 51% 4 25% 2 11% 4% Can't Afford It Lost Job or No Benefits Don't Want It Poor Health, Refused Insurance 31 million currently uninsured adults age 18-64

6 Over Half of Adults in Low-Wage, Working Families Were Uninsured Sometime in the Past Two Years 6 59% Currently Uninsured Recent Gap % 2 17% 39% 13% 8% 14% 9% 4% 6% 2% $20,000 or less $20,001-35,000 $35,001-60,000 Above $60, million adults age in families with a FT or PT worker Note: In 1996, 20 of poverty was about $21,000 for a family of two and $25,000 for a family of three

7 Most Uninsured Adults Were Working Full-Time or Married to a Full-Time Worker Unemployed 15% Other* 12% Only Part- Time Workers 16% Full-Time Worker 57% 52 million adults age currently uninsured or recent gap * Respondent or spouse is disabled, a student, or a retiree, and neither is a full- or part-time worker

8 Adults in Low-Wage, Working Families Were Uninsured for Longer Periods of Time 10 75% 5 25% 51% 34% 17% 21% 22% 21% 26% 7% <20 of Poverty 20+ of Poverty Period of Time Without Coverage 24 Months Months 4-11 Months 1-3 Months 38 million adults age in working families with a time uninsured in past 2 years

9 Part-Time Worker and Unemployed Families Were at High Risk of Being Uninsured Currently Uninsured Recent Gap 63% 64% 13% 14% 3 28% 14% 14% % 12% Total Full-Time Part-Time Currently Unemployed Working Adults age by family work status 26% 8% 18% Other* * Respondent or spouse is disabled, a student, or a retiree, and neither is a full- or part-time worker

10 Insurance Coverage Was Often Unstable for Adults Under Age 65 Percent in current plan less than 2 years % 42% 34% 33% 2 Insured Medicaid Employer Other Private 132 million currently insured adults age 18-64

11 Reasons for Changes in Health Plans Reasons for plan change for adults who changed plans in the past 2 years % 2 21% 14% 16% Changed or Lost Job Employer Changed Plans Lost or Changed Eligibility Status Found a Better or Cheaper Plan

12 ACCESS TO HEALTH CARE

13 Two in Five Uninsured Adults Went Without Needed Care in the Past Year 6 Continuously Insured Recent Gap Currently Uninsured 4 2 7% 21% 3 6% 21% 24% 11% 33% 42% Did Not Get Needed Care Did Not Fill Prescription Either Problem 164 million adults age 18-64

14 Half of Uninsured Adults Had Access Difficulties and Postponed Care Due to Costs Continuously Insured Recent Gap Currently Uninsured 6 51% 55% % 17% 19% 42% 12% 4 Difficult to Get Care When Needed No Physician Visit in Past Year Postponed Care Due to Costs in Past Year 164 million adults age 18-64

15 Low-Income Uninsured Adults Were at High Risk of Access Problems Percent not getting needed care or prescription in past year Continuously Insured Recent Gap Currently Uninsured 46% 38% 28% 27% 19% 8% Below 20 Poverty 20 Poverty or More Adults age 18-64

16 Going Without Needed Care Had Consequences 8 74% 68% % 42% 2 Problem Caused Pain or Difficulties Consequences Were Serious Still Have Problem Went Without Care More than Once 21 million adults age who had a time they didn't get need care

17 PROBLEMS PAYING MEDICAL BILLS

18 Uninsured Adults Had Substantial Problems Paying Medical Bills Continuously Insured Recent Gap Currently Uninsured % % 4% 13% 17% Problems Paying Bills Had to Change Way of Life Significantly to Pay Bills 164 million adults age 18-64

19 Nearly Half of Uninsured/Recent Gap Adults Had Access or Bill Problems Continuously Insured Currently Uninsured or Recent Gap % 33% 46% 2 11% 11% 17% Access Problem* Bill Problem Access or Bill Problem 164 million adults age * Time you didn t get needed care or didn t fill needed prescription

20 ADULTS WITH HEALTH PROBLEMS

21 One-Third in Fair or Poor Health Were Uninsured or Had a Recent Gap* Recent Gap 13% Currently Uninsured 22% Continuously Insured 64% 29 million adults age with fair/poor health status * Recent gap = insured when surveyed but had a period in past 2 years without coverage

22 Two-Thirds of Uninsured Adults in Fair or Poor Health Went Without Needed Care in the Past Year 8 6 Continuously Insured Recent Gap Currently Uninsured 66% 66% 66% 56% % 25% Did Not Get Care or Prescription Postponed Care Due to Cost 29 million adults age in fair or poor health

23 Three in Four Uninsured Adults with Health Problems Had Access or Bill Problems 8 6 Continuously Insured 66% Currently Uninsured or Recent Gap 57% 76% % 21% 34% Access Problem* Bill Problem Access or Bill Problem 29 million adults age in fair or poor health * Time you didn t get needed care or didn t fill needed prescription

24 ADULTS IN WORKING FAMILIES

25 As Wages Decrease, Access or Bill Problems Increase for Working Families Percent not getting needed care or prescriptions and/or had medical bill problems in past year % 24% 24% 2 16% 12% Total $20,000 or Less $20,001- $35,000 $35,001- $60,000 Above $60, million adults age in families with a FT or PT worker Note: In 1996, 20 of poverty was about $21,000 for a family of two and $25,000 for a family of three

26 One-Third of Low-Wage Working Families Had Problems Paying Medical Bills All Working Families Below 20 Poverty 20 Poverty or More % % 1 11% 18% 7% 7% 14% 3% Bill Problems Collection Agency Family Changed Way of Life 128 million adults age in families with a FT or PT worker

27 Uninsured Adults in Working Families Had Access and Cost Difficulties Continuously Insured Recent Gap Currently Uninsured % 41% 3 37% 43% 48% 2 9% 11% 15% Did Not Get Care or Prescription Bill Problem Access or Bill Problem 128 million adults age in families with a FT or PT worker

28 Low-Wage Working Families at High Risk of Access or Cost Problems Access or Bill Problem in Past Year Continuously Insured Currently or Recently Uninsured 6 54% 4 25% 33% 2 13% Less than 20 Poverty 20 Poverty or More Adults age in families with a FT or PT worker

29 CHOICE OF PLANS FROM EMPLOYERS FOR WORKING-AGE ADULTS

30 Majority of Adults Do Not Have a Choice of Plans from Their Employer No Plans 18% NO CHOICE OF PLANS Employer Offers Choice 41% One Plan Offered 41%

31 Low-Wage Workers Are the Least Likely to Have a Choice of Health Plans* Employer Offers Choice One Plan No Plan 10 14% 9% 9% 75% 37% 49% 37% 35% % 22% 37% $20,000 or less $20,001 to 35,000 54% 56% $35,001 to 60,000 Employed adults age Above $60,000 * Totals may not add to 10 due to rounding

32 Larger Employers Are More Likely to Offer a Choice of Plans Employer Offers Choice One Plan No Plans 10 75% 44% 1 43% 2% 27% 1% 5 63% 25% 41% 15% Less than 26 Employees 27% 54% Employees Employees 72% More than 500 Employees Employed adults age by employer size

33 Married Adults Are More Likely to Have Choice if Two-Worker Family No Plans 13% Choice of Plan from Own Employer 34% Choice of Plan from Own Employer 41% One Plan 24% One Plan from Each Employer 15% Choice of Plan from Spouse Employer 14% One Plan 41% No Plans 19% Married adults Single adults

34 MEDICARE: EXPERIENCES OF ADULTS AGE 65 AND OLDER COMPARED WITH WORKING-AGE ADULTS

35 Medicare Beneficiaries Were the Most Satisfied with Health Care Services Percent very satisfied with health care services % 57% 45% 46% 4 27% 2 Total Medicare Medicaid Employer Uninsured Adults age 18 and older

36 Medicare Beneficiaries Were the Most Satisfied with Insurance and Plan Choice of Doctors Very Satisfied with Insurance Very Satisfied with Choice of Doctors % 59% 64% 74% 44% 5 45% 55% 2 Total Medicare Medicaid Employer Adults age 18 and older

37 Elderly Were Less Likely to Have a Time They Didn t Get Needed Care than Adults Under Age 65 Percent not getting needed care or prescription in past year 45% 42% % 15% 7% 11% Age 65+ Total Continuously Insured Recent Gap Currently Uninsured Adults Age 18-64

38 Elderly Were Less Likely to Have Problems Paying Medical Bills than Adults Under Age 65 Percent with problem paying medical bills in the past year 45% % 18% 15% 7% 11% Age 65+ Total Continuously Insured Recent Gap Currently Uninsured Adults Age 18-64

39 Elderly Were Less Likely to Have Disruption in Physician Care than Adults Under Age 65 Percent with regular doctor five years or more 6 54% 4 36% 41% 24% 23% 2 Age 65+ Total Continuously Insured Recent Gap Currently Uninsured Adults Age 18-64

40 WORRIES ABOUT HEALTH CARE: ELDERLY AND NON-ELDERLY COMPARED

41 Worries About Access and Health Costs Percent who worry a great deal or a lot Age 65+ Age Total Won't Get Needed Procedure 17% 3 4 Age Low-Wage* Won't Get Needed Specialty Care 23% 4 51% Unaffordable Medical Bills 24% 37% 48% Unaffordable Health Insurance 3 45% 55% * Less than 20 of poverty

42 Insurance Gaps Contributed to Non-Elderly Worries About Bills and Access Continuously Insured Recent Gap Currently Uninsured Percent who worry a great deal or a lot % 57% 4 23% 36% 3 2 Won't Get Needed Procedure Unaffordable Medical Bills 164 million adults age 18-64

43 Support for Health Insurance Coverage Reform Percent favor Age Age % 93% 93% 93% 86% 87% 75% 5 25% Covering All Children Making Sure All Working Families Have Insurance Preserving Medicare

44 TRENDS: COMPARISONS OF KAISER/COMMONWEALTH 1993 AND 1997 NATIONAL SURVEYS

45 Uninsured Rates Remain High Despite an Improved Economy Continuously Insured Recent Gap Currently Uninsured 8 68% 68% % 19% 14% 13% Adults age Note: 1993 data are from the Kaiser/Commonwealth 1993 Survey

46 Health Care Access Concerns Persist over Time for Working-Age Adults % 13% 21% 22% 26% 3 33% 23% 1 Not Get Needed Care No Visit No Regular Doctor Posponed Care Due to Costs Adults age Note: 1993 data are from the Kaiser/Commonwealth 1993 Survey