谁是保险不足的人?

P. Farley
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引用次数: 93

摘要

保险不足,无论是私人的还是公共的,都会给个人带来毁灭性的困难,给公共带来意想不到的负担。“谁是保险不足的人?”既是一个定义问题,也是一个实证问题。根据各种风险和费用概念进行的全国医疗保健支出调查的数据显示,超过四分之一的非老年人口没有得到充分保护,无法避免可能出现的高额医疗费用。保险不足者的私人负担在人口中广泛分布。
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Who are the underinsured?
Inadequate insurance, whether private or public, can impose ruinous private hardship and unexpected public burdens. "Who are the underinsured?" is both a definitional and an empirical question. Data from the National Medical Care Expenditure Survey, applied under various concepts of risk and expense, reveal that over a quarter of the nonelderly population is inadequately protected against the possibility of large medical bills. The private burdens of the underinsured are widely distributed across the population.
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