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Who are the uninsured eligible for premium subsidies in the health insurance exchanges? 没有保险的人有资格在健康保险交易所获得保费补贴吗?
Pub Date : 2010-12-01
Peter J Cunningham

A key provision of the national health reform law is the creation of state-based exchanges to provide more affordable insurance options for people, especially the uninsured. Despite premium subsidies for people with incomes up to 400 percent of the poverty level, or $88,200 for a family of four in 2010, and an individual requirement to enroll in coverage, no one knows who will enroll in the exchanges and who will not, at least initially. Almost 40 percent of uninsured people eligible to receive subsidies through the exchanges have chronic conditions or report fair or poor health, and another 28 percent report recent problems with access to care or paying medical bills, according to a new national study by the Center for Studying Health System Change (HSC). However, about one-third of uninsured people eligible for subsidies have had no recent problems with their health, access to medical care or paying medical bills. Enrolling these apparently healthy uninsured people is likely to be challenging but essential to avoiding adverse selection, or enrolling sicker-than-average people, in the exchanges. Otherwise, health insurance costs in the exchanges could be higher than expected. Contrary to popular perception, many of these healthy and low-cost uninsured people view themselves as risk-averse, which could motivate them to gain coverage in the absence of health or access problems. Also, most uninsured people believe they need health coverage, although fewer believe that health insurance is currently worth the cost, a situation that could change once premium subsidies are available in 2014.

国家医疗改革法的一项关键条款是建立以州为基础的保险交易所,为人们,特别是没有保险的人提供更多负担得起的保险选择。尽管对收入达到贫困线400%的人(2010年为一个四口之家提供8.82万美元)提供保费补贴,并要求个人参加保险,但没有人知道谁会参加,谁不会参加,至少在一开始是这样。根据卫生系统改革研究中心(Center for study health System Change,简称HSC)的一项新的全国性研究,有资格通过医保交易获得补贴的未参保人群中,近40%患有慢性病或健康状况一般或较差,另有28%的人表示最近在获得医疗服务或支付医疗费用方面存在问题。然而,在有资格获得补贴的没有保险的人中,约有三分之一最近在健康、获得医疗保健或支付医疗费用方面没有问题。让这些看起来健康的没有保险的人加入医保很可能是一项挑战,但对于避免逆向选择,或者让比一般人更健康的人加入医保交易所来说,这是至关重要的。否则,交易所的医疗保险费用可能会高于预期。与普遍看法相反,这些健康和低成本无保险的人中有许多人认为自己是厌恶风险的,这可能促使他们在没有健康或获取问题的情况下获得保险。此外,大多数没有保险的人认为他们需要医疗保险,尽管很少有人认为目前的医疗保险物有所值,一旦2014年保费补贴到位,这种情况可能会改变。
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引用次数: 0
Workplace clinics: a sign of growing employer interest in wellness. 职场诊所:雇主对健康越来越感兴趣的标志。
Pub Date : 2010-12-01
Ha T Tu, Ellyn R Boukus, Genna R Cohen

Interest in workplace clinics has intensified in recent years, with employers moving well beyond traditional niches of occupational health and minor acute care to offering clinics that provide a full range of wellness and primary care services. Employers view workplace clinics as a tool to contain medical costs, boost productivity and enhance companies' reputations as employers of choice. The potential for clinics to transform primary care delivery through the trusted clinician model holds promise, according to experts interviewed for a new qualitative research study from the Center for Studying Health System Change (HSC). Achieving that model is dependent on gaining employee trust in the clinic, as well as the ability to recruit and retain clinicians with the right qualities--a particular challenge in communities with provider shortages. Even when clinic operations are outsourced to vendors, initial employer involvement--including the identification of the appropriate scope and scale of clinic services--and sustained employer attention over time are critical to clinic success. Measuring the impact of clinics is difficult, and credible evidence on return on investment (ROI) varies widely, with very high ROI claims made by some vendors lacking credibility. While well-designed, well-implemented workplace clinics are likely to achieve positive returns over the long term, expecting clinics to be a game changer in bending the overall health care cost curve may be unrealistic.

近年来,人们对工作场所诊所的兴趣日益浓厚,雇主远远超越了传统的职业健康和轻微急症护理领域,转而提供提供全方位健康和初级保健服务的诊所。雇主将诊所视为控制医疗成本、提高生产率和提升公司声誉的工具。卫生系统变革研究中心(HSC)的一项新的定性研究采访了一些专家,他们认为,诊所通过可信赖的临床医生模式改变初级保健服务的潜力是有希望的。实现这种模式依赖于获得员工对诊所的信任,以及招聘和留住具有合适素质的临床医生的能力——这在提供者短缺的社区是一个特别的挑战。即使诊所业务外包给供应商,最初的雇主参与——包括确定诊所服务的适当范围和规模——以及雇主长期持续的关注对诊所的成功至关重要。衡量诊所的影响是困难的,而且关于投资回报率(ROI)的可信证据差异很大,一些缺乏可信度的供应商提出了非常高的ROI声明。虽然设计良好、实施良好的诊所很可能在长期内实现正回报,但期望诊所在扭转整体医疗成本曲线方面成为游戏规则的改变者可能是不现实的。
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引用次数: 0
Wide variation in hospital and physician payment rates evidence of provider market power. 医院和医生支付率的巨大差异证明了供应商的市场力量。
Pub Date : 2010-11-01
Paul B Ginsburg

Wide variation in private insurer payment rates to hospitals and physicians across and within local markets suggests that some providers, particularly hospitals, have significant market power to negotiate higher-than-competitive prices, according to a new study by the Center for Studying Health System Change (HSC). Looking across eight health care markets--Cleveland; Indianapolis; Los Angeles; Miami; Milwaukee; Richmond, Va.; San Francisco; and rural Wisconsin--average inpatient hospital payment rates of four large national insurers ranged from 147 percent of Medicare in Miami to 210 percent in San Francisco. In extreme cases, some hospitals command almost five times what Medicare pays for inpatient services and more than seven times what Medicare pays for outpatient care. Variation within markets was just as dramatic. For example, the hospital with prices at the 25th percentile of Los Angeles hospitals received 84 percent of Medicare rates for inpatient care, while the hospital with prices at the 75th percentile received 184 percent of Medicare rates. The highest-priced Los Angeles hospital with substantial inpatient claims volume received 418 percent of Medicare. While not as pronounced, significant variation in physician payment rates also exists across and within markets and by specialty. Few would characterize the variation in hospital and physician payment rates found in this study to be consistent with a highly competitive market. Purchasers and public policy makers can address provider market power, or the ability to negotiate higher-than-competitive prices, through two distinct approaches. One is to pursue market approaches to strengthen competitive forces, while the other is to constrain payment rates through regulation.

根据卫生系统改革研究中心(HSC)的一项新研究,私营保险公司对医院和医生的支付率在当地市场和内部的巨大差异表明,一些供应商,特别是医院,在谈判高于竞争价格方面拥有巨大的市场力量。考察八个医疗保健市场——克利夫兰;印第安纳波利斯;洛杉矶;迈阿密;密尔沃基;弗吉尼亚州里士满。旧金山;四家大型国家保险公司的住院病人平均支付率从迈阿密的147%到旧金山的210%不等。在极端情况下,一些医院的住院费用几乎是联邦医疗保险支付的5倍,门诊费用超过7倍。市场内部的变化也同样剧烈。例如,价格在洛杉矶医院的第25百分位的医院获得了84%的住院医疗保险费率,而价格在第75百分位的医院获得了184%的医疗保险费率。洛杉矶收费最高的医院,住院病人索赔量很大,获得了418%的医疗保险。虽然不那么明显,但在不同市场和不同专业之间,医生支付率也存在显著差异。在本研究中发现的医院和医生支付率的变化很少能与高度竞争的市场相一致。购买者和公共政策制定者可以通过两种不同的方法来解决供应商的市场力量,或谈判高于竞争价格的能力。一种是通过市场途径加强竞争力量,另一种是通过监管来限制支付率。
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引用次数: 0
The economic recession: early impacts on health care safety net providers. 经济衰退:对卫生保健安全网提供者的早期影响。
Pub Date : 2010-01-01
Laurie E Felland, Peter J Cunningham, Genna R Cohen, Elizabeth A November, Brian C Quinn

While the recession increased demands on the health care safety net as Americans lost jobs and health insurance, the impact on safety net providers has been mixed and less severe--at least initially--than expected in some cases, according to a new study of five metropolitan communities by the Center for Studying Health System Change (HSC). Even before the recession, many safety net providers reported treating more uninsured patients and facing tighter state and local funding. Federal expansion grants for community health centers during the past decade, however, have increased capacity at many health centers. And, programs to help direct people to primary care providers may have helped stem the expected surge in emergency department use by the uninsured during the downturn. Federal stimulus funding--the 2009 American Recovery and Reinvestment Act--has assisted hospitals and health centers in weathering the economic storm, helping to offset reductions in state, local and private funding. And, the economic downturn has generated some potential benefits, including lower rents and broader employee applicant pools. While safety net providers have adopted strategies to stay financially viable, many believe they have not yet felt the full impact of the deepest recession since the Great Depression.

美国卫生系统改革研究中心(Center for study health System Change,简称HSC)对五个大都市社区进行的一项新研究显示,尽管由于美国人失去工作和医疗保险,经济衰退增加了对医疗安全网的需求,但对安全网提供者的影响参差不齐,至少在最初阶段没有预期的那么严重。甚至在经济衰退之前,许多安全网的提供者就报告说,他们治疗了更多没有保险的病人,面临着州和地方资金的紧缩。然而,在过去十年中,联邦政府对社区卫生中心的扩张拨款提高了许多卫生中心的能力。此外,在经济低迷时期,帮助人们寻求初级保健服务的项目可能有助于遏制无保险人群使用急诊室的预期激增。联邦刺激资金——2009年《美国复苏与再投资法案》——帮助医院和保健中心度过了经济风暴,帮助抵消了州、地方和私人资金的减少。此外,经济低迷也带来了一些潜在的好处,包括租金降低和求职者范围扩大。虽然社会安全网的提供者已经采取了一些策略来保持财务上的可行性,但许多人认为,他们还没有感受到这场自大萧条以来最严重衰退的全面影响。
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引用次数: 0
Individual insurance: health insurers try to tap potential market growth. 个人保险:健康保险公司试图挖掘潜在的市场增长。
Pub Date : 2009-11-01
Elizabeth A November, Genna R Cohen, Paul B Ginsburg, Brian C Quinn

Individual insurance is the only source of health coverage for people without access to employer-sponsored insurance or public insurance. Individual insurance traditionally has been sought by older, sicker individuals who perceive the need for insurance more than younger, healthier people. The attraction of a sicker population to the individual market creates adverse selection, leading insurers to employ medical underwriting--which most states allow--to either avoid those with the greatest health needs or set premiums more reflective of their expected medical use. Recently, however, several factors have prompted insurers to recognize the growth potential of the individual market: a declining proportion of people with employer-sponsored insurance, a sizeable population of younger, healthier people forgoing insurance, and the likelihood that many people receiving subsidies to buy insurance under proposed health insurance reforms would buy individual coverage. Insurers are pursuing several strategies to expand their presence in the individual insurance market, including entering less-regulated markets, developing lower-cost, less-comprehensive products targeting younger, healthy consumers, and attracting consumers through the Internet and other new distribution channels, according to a new study by the Center for Studying Health System Change (HSC). Insurers' strategies in the individual insurance market are unlikely to meet the needs of less-than-healthy people seeking affordable, comprehensive coverage. Congressional health reform proposals, which envision a larger role for the individual market under a sharply different regulatory framework, would likely supersede insurers' current individual market strategies.

个人保险是无法获得雇主赞助的保险或公共保险的人获得医疗保险的唯一来源。传统上,寻求个人保险的是年龄较大、病情较重的人,他们比年轻、健康的人更需要保险。患病人群对个人市场的吸引力造成了逆向选择,导致保险公司采用大多数州允许的医疗承保,要么避开那些有最大健康需求的人,要么设定更能反映他们预期医疗用途的保费。然而,最近有几个因素促使保险公司认识到个人市场的增长潜力:拥有雇主赞助保险的人数比例下降,大量更年轻、更健康的人放弃保险,许多根据拟议的医疗保险改革获得补贴购买保险的人可能会购买个人保险。美国健康体系变革研究中心(Center for study Health System Change,简称HSC)的一项新研究显示,保险公司正在寻求几种策略来扩大其在个人保险市场的影响力,包括进入监管较少的市场,开发针对年轻健康消费者的低成本、不太全面的产品,以及通过互联网和其他新的分销渠道吸引消费者。保险公司在个人保险市场的策略不太可能满足健康状况不佳的人寻求负担得起的全面保险的需求。国会医疗改革提案设想在一个截然不同的监管框架下,让个人市场发挥更大的作用,可能会取代保险公司目前的个人市场策略。
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引用次数: 0
Suburban poverty and the health care safety net. 郊区的贫困和医疗安全网。
Pub Date : 2009-07-01
Laurie E Felland, Johanna R Lauer, Peter J Cunningham

Although suburban poverty has increased in the past decade, the availability of health care services for low-income and uninsured people in the suburbs has not kept pace. According to a new study by the Center for Studying Health System Change (HSC) of five communities--Boston, Cleveland, Indianapolis, Miami and Seattle--low-income people living in suburban areas face significant challenges accessing care because of inadequate transportation, language barriers and lack of awareness of health care options. Low-income people often rely on suburban hospital emergency departments (EDs) and urban safety net hospitals and health centers. Some urban providers are feeling the strain of caring for increasing numbers of patients from both the city and the suburbs. Both urban and suburban providers are attempting to redirect patients to more appropriate care near where they live by expanding primary care capacity, improving access to specialists, reducing transportation challenges, and generating revenues to support safety net services. Efforts to improve safety net services in suburban areas are hampered by greater geographic dispersion of the suburban poor and jurisdictional issues in funding safety net services. To improve the suburban safety net, policy makers may want to consider flexible and targeted approaches to providing care, regional collaboration to share resources, and geographic pockets of need when allocating resources for community health centers and other safety net services and facilities.

尽管在过去十年中郊区的贫困有所增加,但郊区低收入和无保险的人获得医疗保健服务的机会却没有跟上。根据卫生系统变化研究中心(HSC)对波士顿、克利夫兰、印第安纳波利斯、迈阿密和西雅图五个社区进行的一项新研究,由于交通不便、语言障碍和缺乏对医疗选择的认识,生活在郊区的低收入人群在获得医疗服务方面面临着重大挑战。低收入人群通常依赖于郊区医院的急诊科(ed)和城市安全网医院和保健中心。一些城市医疗服务提供者感到了照顾越来越多来自城市和郊区的病人的压力。城市和郊区的医疗服务提供者都在试图通过扩大初级保健能力、改善获得专家服务的机会、减少交通挑战和创造收入来支持安全网服务,将患者转移到他们居住地附近更合适的医疗服务。改善郊区安全网服务的努力受到郊区穷人在地理上更加分散以及在为安全网服务提供资金方面存在管辖权问题的阻碍。为了改善郊区安全网,政策制定者可能需要考虑灵活和有针对性的方法来提供护理,区域合作以共享资源,以及在为社区卫生中心和其他安全网服务和设施分配资源时考虑地理需求。
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引用次数: 0
General hospitals, specialty hospitals and financially vulnerable patients. 综合医院、专科医院和经济困难的病人。
Pub Date : 2009-04-01
Ann Tynan, Elizabeth November, Johanna Lauer, Hoangmai H Pham, Peter Cram

In the past decade, the rapid growth of specialty hospitals focused on profitable service lines, including cardiac and orthopedic care, has prompted concerns about general hospitals' ability to compete. Critics contend specialty hospitals actively draw less-complicated, more-profitable patients with Medicare and private insurance away from general hospitals, threatening general hospitals' ability to cross-subsidize less-profitable services and provide uncompensated care. A contentious debate has ensued, but little research has addressed whether specialty hospitals adversely affect the financial viability of general hospitals and their ability to care for low-income, uninsured and Medicaid patients. Despite initial challenges recruiting staff and maintaining service volumes and patient referrals, general hospitals were generally able to respond to the initial entry of specialty hospitals with few, if any, changes in the provision of care for financially vulnerable patients, according to a new study by the Center for Studying Health System Change (HSC) of three markets with established specialty hospitals--Indianapolis, Phoenix and Little Rock, Arkansas. In addition, safety net hospitals--general hospitals that care for a disproportionate share of financially vulnerable patients--reported limited impact from specialty hospitals since safety net hospitals generally do not compete for insured patients.

过去10年,专注于心脏和骨科等盈利服务领域的专科医院快速增长,引发了人们对综合医院竞争能力的担忧。批评人士认为,专科医院积极从综合医院吸引那些拥有联邦医疗保险和私人保险、病情不那么复杂、利润更高的患者,威胁到综合医院交叉补贴利润较低的服务和提供无偿护理的能力。随之而来的是一场有争议的辩论,但很少有研究表明专科医院是否会对综合医院的财务可行性以及它们照顾低收入、无保险和医疗补助病人的能力产生不利影响。根据卫生系统变化研究中心(HSC)对印第安纳波利斯、凤凰城和阿肯色州小石城这三个拥有成熟专科医院的市场进行的一项新研究,尽管最初在招聘员工、维持服务量和病人转诊方面存在挑战,但一般来说,综合医院能够对专科医院的最初进入做出反应,而在为经济上脆弱的病人提供护理方面几乎没有变化。此外,安全网医院——照顾不成比例的经济脆弱病人的综合医院——报告说,专科医院的影响有限,因为安全网医院通常不竞争有保险的病人。
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引用次数: 0
Coordination of care by primary care practices: strategies, lessons and implications. 初级保健实践的护理协调:策略、教训和影响。
Pub Date : 2009-04-01
Ann S O'Malley, Ann Tynan, Genna R Cohen, Nicole Kemper, Matthew M Davis

Despite calls from numerous organizations and payers to improve coordination of care, there are few published accounts of how care is coordinated in real-world primary care practices. This study by the Center for Studying Health System Change (HSC) documents strategies that a range of physician practices use to coordinate care for their patients. While there was no single recipe for coordination given the variety of patient, physician, practice and market factors, some cross-cutting lessons were identified, such as the value of a commitment to interpersonal continuity of care as a foundation for coordination. Respondents also identified the importance of system support for the standardization of office processes to foster care coordination. While larger practices may have more resources to invest, many of the innovations described could be scaled to smaller practices. Some coordination strategies resulted in improved efficiency over time for practices, but by and large, physician practices currently pursue these efforts at their own expense. In addition to sharing information on effective strategies among practices, the findings also provide policy makers with a snapshot of the current care coordination landscape and implications for initiatives to improve coordination. Efforts to provide technical support to practices to improve coordination, for example, through medical-home initiatives, need to consider the baseline more typical practices may be starting from and tailor their support to practices ranging widely in size, resources and presence of standardized care processes. If aligned with payment incentives, some of these strategies have the potential to increase quality and satisfaction among patients and providers by helping to move the health care delivery system toward better coordinated care.

尽管许多组织和支付方呼吁改善护理协调,但很少有关于如何在现实世界的初级保健实践中协调护理的公开报道。这项由研究卫生系统变化(HSC)中心进行的研究记录了一系列医生用于协调患者护理的策略。鉴于病人、医生、实践和市场因素的多样性,没有统一的协调方法,但确定了一些跨领域的经验教训,例如对人际护理连续性的承诺作为协调基础的价值。受访者还确定了系统支持办公流程标准化的重要性,以促进护理协调。虽然较大的实践可能有更多的资源来投资,但是所描述的许多创新可以扩展到较小的实践中。随着时间的推移,一些协调策略提高了实践的效率,但总的来说,医生实践目前以自己的代价追求这些努力。除了在实践中分享有效策略的信息外,研究结果还为政策制定者提供了当前护理协调状况的快照,并为改善协调的举措提供了启示。向实践提供技术支持以改善协调的努力,例如,通过医疗之家倡议,需要考虑更典型的实践可能开始的基线,并根据规模、资源和标准化护理过程的广泛存在调整其支持。如果与支付激励机制相结合,其中一些策略有可能提高患者和提供者的质量和满意度,帮助推动卫生保健提供系统向更好的协调护理方向发展。
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引用次数: 0
Word of mouth and physician referrals still drive health care provider choice. 口口相传和医生推荐仍然推动着医疗保健提供者的选择。
Pub Date : 2008-12-01
Ha T Tu, Johanna R Lauer

Sponsors of health care price and quality transparency initiatives often identify all consumers as their target audiences, but the true audiences for these programs are much more limited. In 2007, only 11 percent of American adults looked for a new primary care physician, 28 percent needed a new specialist physician and 16 percent underwent a medical procedure at a new facility, according to a new national study by the Center for Studying Health System Change (HSC). Among consumers who found a new provider, few engaged in active shopping or considered price or quality information--especially when choosing specialists or facilities for medical procedures. When selecting new primary care physicians, half of all consumers relied on word-of-mouth recommendations from friends and relatives, but many also used doctor recommendations (38%) and health plan information (35%), and nearly two in five used multiple information sources when choosing a primary care physician. However, when choosing specialists and facilities for medical procedures, most consumers relied exclusively on physician referrals. Use of online provider information was low, ranging from 3 percent for consumers undergoing procedures to 7 percent for consumers choosing new specialists to 11 percent for consumers choosing new primary care physicians

医疗保健价格和质量透明度倡议的发起者通常将所有消费者视为其目标受众,但这些计划的真正受众要有限得多。根据卫生系统改革研究中心(HSC)的一项新的全国性研究,2007年,只有11%的美国成年人在寻找新的初级保健医生,28%的人需要新的专科医生,16%的人在新的医疗机构接受了医疗程序。在找到新供应商的消费者中,很少有人会主动购物或考虑价格或质量信息——尤其是在选择专家或医疗程序设施时。在选择新的初级保健医生时,一半的消费者依赖于朋友和亲戚的口碑推荐,但许多人也使用医生推荐(38%)和健康计划信息(35%),近五分之二的消费者在选择初级保健医生时使用多种信息来源。然而,在为医疗程序选择专家和设施时,大多数消费者完全依赖医生推荐。在线提供者信息的使用率很低,从接受手术的消费者占3%,到选择新的专家的消费者占7%,再到选择新的初级保健医生的消费者占11%
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引用次数: 0
Living on the edge: health care expenses strain family budgets. 生活在边缘:医疗费用使家庭预算紧张。
Pub Date : 2008-12-01
Peter J Cummingham, Carolyn Miller, Alwyn Cassil

Affordability of medical care is a central focus of health care reform efforts. As health care costs continue to increase and the economy declines sharply, there is very little cushion in family budgets for health care costs, even for families with insurance coverage. Financial pressures on families from medical bills increase sharply when out-of-pocket spending for health care services exceeds 2.5 percent of family income, according to a new national study by the Center for Studying Health System Change (HSC). Low-income families and people in poor health experience financial pressures at even lower levels of spending, largely because they have already accumulated large medical debts they are unable to pay off. Many Californians also incur substantial burdens from health care expenses, although the rate of medical bill problems is somewhat lower in California compared with the overall United States. Extended interviews with a select number of families facing problems with medical bills provide additional detail on how families are forced to make difficult trade-offs with other family necessities, put off paying other bills, cut down on other expenses and delay getting needed medical care

医疗保健的可负担性是卫生保健改革工作的中心焦点。由于保健费用持续增加,经济急剧下滑,家庭预算中几乎没有用于保健费用的缓冲,即使对有保险的家庭也是如此。根据卫生系统改革研究中心(HSC)的一项新的全国性研究,当医疗保健服务的自付支出超过家庭收入的2.5%时,家庭的医疗费用压力会急剧增加。低收入家庭和健康状况不佳的人在更低的支出水平上面临财务压力,主要是因为他们已经积累了无法偿还的巨额医疗债务。许多加州人也承受着医疗费用的沉重负担,尽管与美国整体相比,加州的医疗账单问题率略低。对一些面临医疗费用问题的家庭进行了长时间的采访,提供了更多的细节,说明家庭如何被迫在其他家庭必需品之间做出艰难的权衡,推迟支付其他账单,削减其他开支,推迟获得所需的医疗服务
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引用次数: 0
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