Health Affairs

Health Affairs, 28, no. 4 (2009): w595-w606 (Published online 2 June 2009) doi: 10.1377/hlthaff.28.4.w595 © 2009 by Project HOPE	New Online   Getting Health Reform Done   After the State of the Union   Incremental Reform   E-Health in Developing World   Most-Read Articles in 2009

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Trends In Underinsurance And The Affordability Of Employer Coverage, 2004–2007

Jon R. Gabel, Roland McDevitt, Ryan Lore, Jeremy Pickreign, Heidi Whitmore and Tina Ding

Based on simulated bill paying, this paper examines trends in comprehensiveness of coverage, out-of-pocket spending for medical services, underinsurance, and the affordability of employer-based insurance from 2004 to 2007. Data are from MarketScan medical claims and an annual survey of employer health benefits. Health plans covered slightly fewer expenses in 2007 than in 2004, but out-of-pocket spending grew more than one-third because of growth in overall health spending. For people at 200 percent of poverty, the percentage spending more than 10 percent of their income out of pocket on premiums plus services increased from 13 percent to 18 percent.

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				S. K. Long and K. Stockley Massachusetts Health Reform: Employer Coverage From Employees' Perspective Health Aff., November 1, 2009; 28(6): w1079 - w1087. [Abstract] [Full Text] [PDF]

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