Health Insurance is a Family Matter (2002) / Chapter Skim
Currently Skimming:
1 A Family Matter
1 A Family Matter
Pages 12-23
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From page 12... ...
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From page 13... ...
The Committee builds on the first report, Coverage Matters, which examines the dynamic, fragmented structure of health insurance in the United States, the causes of uninsurance, and which individuals 1The Committee s earlier reports refer to roughly 40 million uninsured individuals, based on the 1999 and 2000 Current Population Surveys (CPS)
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From page 14... ...
This report provides analyses of two distinct sets of evidence: 1) studies of insurance effects on the health of children and pregnant women and 2)
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From page 15... ...
The Committee reviewed the literature to determine whether there are documented clinical differences associated with the insurance status of pregnant women, infants, and children. Health insurance or lack of coverage affects and is affected by family interactions, so the Committee has given particular attention to research on health outcomes in the context of the family.
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From page 16... ...
The mismatch between families functioning as a social and economic whole and the qualification for insurance coverage as individuals is at the root of many of these negative consequences for family members and the family unit. Four aspects of family experience distinguish the consequences of uninsurance for families from the consequences of uninsured persons considered strictly as individuals: (1)
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From page 17... ...
This broad view of families across age categories encompasses the interplay in young families between parents and children s health coverage status and use, changes in health care coverage as children approach adulthood, and evolving relationships to work as couples approach retirement. For example, late-middle-age couples are likely to have increasing health needs and one or both may feel ready to retire, but neither may be eligible for Medicare (IOM, 2002a,b)
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From page 18... ...
Family coverage includes the spouse and children of the employee, but policies vary in how long a dependent child can stay on as part of the family policy. Insurance companies, employers, and the public sponsors of coverage define a family-based "insurance unit," which may be different from a family-defined "responsibility unit." A grandmother taking care of her grandchildren, a brother and sister living together and, in some cases, long-term companions might consider themselves family and feel responsibility toward each other.
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From page 19... ...
In addition to the federal and federal-state programs, several states have independency designed health insurance programs and subsidies using state revenues. Because the rules for these government programs are written to make it easier for people in priority age groups and in particular circumstances to get insurance, within a given family some members may be eligible for government insurance programs and others not.
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From page 20... ...
In an attempt to capture some of these dynamics of the economic and social factors affecting family units that may not be clear from the statistics and to add a human dimension, some of the following chapters begin with a vignette or example of family circumstances based on the research in the chapter. These vignettes are composites of circumstances documented in the research literature that illustrate family experiences related to not having health insurance.
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From page 21... ...
The factors in the boxes labeled community level and effects on communities also are affected by the health care obtained in aggregate by all families. The economic and health outcomes of all families in aggregate can influence where doctors may choose to locate and what level of service quality hospitals can afford to provide.
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From page 23... ...
In addition, that chapter discusses the effect of parents health on the family environment and their children s health. Chapter 6 assesses evidence on health and developmental outcomes associated with health insurance status for children, infants, and pregnant women.
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