The U.S. health insurance marketplace: are premiums truly affordable?
The Patient Protection and Affordable Care Act requires that individuals have health insurance or pay a penalty. Individuals are exempt from paying this penalty if the after-subsidy cost of the least-expensive plan available to them is greater than 8% of their income. For this study, premium data fo...
| Publicado en: | Annals of Internal Medicine Vol. 161; no. 8; pp. 599 - 605 |
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| Autores principales: | , , , , |
| Formato: | research Journal Article |
| Publicado: |
American College of Physicians
10/21/2014
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| Acceso en línea: | Ver este registro en EBSCOhost |
| fields | @attributes: recordID: 1 pdfLink: plink: https://search.ebscohost.com/login.aspx?direct=true&db=ccm&AN=103851252&site=ehost-live header: @attributes: shortDbName: ccm uiTerm: 103851252 longDbName: CINAHL Complete uiTag: AN controlInfo: bkinfo: dissinfo: jinfo: jid: 00034819 AIM jtl: Annals of Internal Medicine issn: 00034819 maglogo: N pubinfo: dt: 10/21/2014 vid: 161 iid: 8 pid: 1652 pub: American College of Physicians place: Philadelphia, Pennsylvania artinfo: ui: 103851252 NLM25199512 2012771033 10.7326/M14-0757 NLM25199512 103851252 ppf: 599 ppct: 6 formats: tig: atl: The U.S. health insurance marketplace: are premiums truly affordable? aug: au: Graetz, Ilana Kaplan, Cameron M Kaplan, Erin K Bailey, James E Waters, Teresa M sug: subj: Financing, Government Health Insurance Exchanges Economics Insurance, Health Economics Adult Human Income Middle Age Patient Protection and Affordable Care Act United States Young Adult Adult: 19-44 years Middle Aged: 45-64 years ab: The Patient Protection and Affordable Care Act requires that individuals have health insurance or pay a penalty. Individuals are exempt from paying this penalty if the after-subsidy cost of the least-expensive plan available to them is greater than 8% of their income. For this study, premium data for all health plans offered on the state and federal health insurance marketplaces were collected; the after-subsidy cost of premiums for the least-expensive bronze plan for every county in the United States was calculated; and variations in premium affordability by age, income, and geographic area were assessed. Results indicated that-although marketplace subsidies ensure affordable health insurance for most persons in the United States-many individuals with incomes just above the subsidy threshold will lack affordable coverage and will be exempt from the mandate. Furthermore, young individuals with low incomes often pay as much as or more than older individuals for bronze plans. If substantial numbers of younger, healthier adults choose to remain uninsured because of cost, health insurance premiums across all ages may increase over time. pubtype: Academic Journal doctype: research Journal Article ougenre: Article language: English refInfo: holdings: @attributes: islocal: N |
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