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Shifting Health Care Financial Riskto Families Is Not a :移动医疗保健财务风险的家庭不是一个
Shifting Health Care Financial Riskto Families Is Not a Sound Strategy:The Changes Needed to EnsureAmericans’ Health Security Karen Davis President The Commonwealth Fund kd@cmwf.org Invited Testimony House Committee on Ways and Means Subcommittee on Health September 23, 2008 A Broken System:The Growing Numbers of Uninsured Health Insurance Coverage Uninsured Rates, by State,Two-Year Average, 2006–07 Inadequate Coverage:The Rise of the Underinsured 25 Million Adults Underinsured in 2007,Up from 16 Million in 2003 Almost Three-Fourths of Low-Income AdultsAges 19–64 Are Uninsured and Underinsured, 2007 An Estimated 116 Million Adults Were Uninsured,Underinsured, Reported a Medical Bill Problem, and/orDid Not Access Needed Health Care Because of Cost, 2007 Uninsured and Underinsured Adults ReportHigh Rates of Cost-Related Access Problems Sixty Percent of Adults Who Were Underinsured or Uninsured Reported Medical Bill Problems or Debt Insured Adults with Less Comprehensive Coverage and Benefit Limits Are More Likely to Face Medical Bill and/or Debt Problems Underinsured Adults Report Higher Rates of Health Insurance Plan Problems than Adults with Adequate Insurance Annual Outpatient Visits Coverage Among Workers with Mental Health Coverage, 2006 Uninsured and Underinsured Adults with Chronic ConditionsAre More Likely to Visit the ER for Their Conditions Coverage Is Eroding in Small Firms Employer Coverage Continues to Erodefor Employees of Small Firms Three of Five Workers with Any Time Uninsured AreSelf-Employed or in Firms with Fewer than 100 Workers Single Premium by Size of Firm, Adjusted for Actuarial Value Deductibles Have Risen Sharply,Especially in Small Firms, Over 2000–2007 People with ESI* Who Say That EmployersDo a Good Job Selecting Quality Insurance Plans Individual Insurance Market WorksLess Well than Employer Coverage Adults with Employer CoverageGive Their Health Plans Higher RatingsThan Those in the Individual Market Health Care
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