Impact of Out-of-Pocket Spending Caps on Financial Burden of those with Group Health Insurance
ABSTRACT BACKGROUND The Affordable Care Act (ACA) mandates that all private health insurance include out-of-pocket spending caps. Insurance purchased through the ACA’s Health Insurance Marketplace may qualify for income-based caps, whereas group insurance will not have income-based caps. Little is k...
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| Veröffentlicht in: | Journal of general internal medicine : JGIM 2015-05, Vol.30 (5), p.683-688 |
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| container_title | Journal of general internal medicine : JGIM |
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| creator | Riggs, Kevin R. Buttorff, Christine Alexander, G. Caleb |
| description | ABSTRACT
BACKGROUND
The Affordable Care Act (ACA) mandates that all private health insurance include out-of-pocket spending caps. Insurance purchased through the ACA’s Health Insurance Marketplace may qualify for income-based caps, whereas group insurance will not have income-based caps. Little is known about how out-of-pocket caps impact individuals’ health care financial burden.
OBJECTIVE
We aimed to estimate what proportion of non-elderly individuals with group insurance will benefit from out-of-pocket caps, and the effect that various cap levels would have on their financial burden.
DESIGN
We applied the expected uniform spending caps, hypothetical reduced uniform spending caps (reduced by one-third), and hypothetical income-based spending caps (similar to the caps on Health Insurance Marketplace plans) to nationally representative data from the Medical Expenditure Panel Survey (MEPS).
PARTICIPANTS
Participants were non-elderly individuals (aged < 65 years) with private group health insurance in the 2011 and 2012 MEPS surveys (n =26,666).
MAIN MEASURES
(1) The percentage of individuals with reduced family out-of-pocket spending as a result of the various caps; and (2) the percentage of individuals experiencing health care services financial burden (family out-of-pocket spending on health care, not including premiums, greater than 10 % of total family income) under each scenario.
KEY RESULTS
With the uniform caps, 1.2 % of individuals had lower out-of-pocket spending, compared with 3.8 % with reduced uniform caps and 2.1 % with income-based caps. Uniform caps led to a small reduction in percentage of individuals experiencing financial burden (from 3.3 % to 3.1 %), with a modestly larger reduction as a result of reduced uniform caps (2.9 %) and income-based caps (2.8 %).
CONCLUSIONS
Mandated uniform out-of-pocket caps for those with group insurance will benefit very few individuals, and will not result in substantial reductions in financial burden. |
| doi_str_mv | 10.1007/s11606-014-3127-z |
| format | Article |
| fullrecord | <record><control><sourceid>proquest_pubme</sourceid><recordid>TN_cdi_pubmedcentral_primary_oai_pubmedcentral_nih_gov_4395601</recordid><sourceformat>XML</sourceformat><sourcesystem>PC</sourcesystem><sourcerecordid>3653394591</sourcerecordid><originalsourceid>FETCH-LOGICAL-c540t-fca28e2266b926c31dc7d8677aa58d24e70fe28a43260f4b94afa802fdd6f0783</originalsourceid><addsrcrecordid>eNp1kU-LFDEQxYMo7jj6AbxIwIuXaFJJJ5mLoMP-GVhYQb0aMulkpteepE26ld1Pb5pZl1XwVBT1e69SeQi9ZPQto1S9K4xJKgllgnAGitw-QgvWQEOYWKnHaEG1FkQrLk7Qs1KuKWUcQD9FJ9AIBQ1VC_RtcxisG3EK-GoaSQrkU3Lf_Yg_Dz62XdzhtR0KThGfddFG19kef5xy6-MsGfepePyrG_f4PKdpwBfe9rXZxDLlSvvn6EmwffEv7uoSfT07_bK-IJdX55v1h0viGkFHEpwF7QGk3K5AOs5ap1otlbK20S0Ir2jwoK3gIGkQ25WwwWoKoW1loErzJXp_9B2m7cG3zscx294MuTvYfGOS7czfk9jtzS79NIKvGln_ZYne3Bnk9GPyZTSHrjjf9zb6NBXDpOJcccnnXa__Qa_TlGM9b6ZAg2w0rRQ7Ui6nUrIP949h1MzpmWN6pqZn5vTMbdW8enjFveJPXBWAI1DqKO58frD6v66_Ac85pdM</addsrcrecordid><sourcetype>Open Access Repository</sourcetype><iscdi>true</iscdi><recordtype>article</recordtype><pqid>1672826580</pqid></control><display><type>article</type><title>Impact of Out-of-Pocket Spending Caps on Financial Burden of those with Group Health Insurance</title><source>MEDLINE</source><source>Springer Nature - Complete Springer Journals</source><source>Elektronische Zeitschriftenbibliothek - Frei zugängliche E-Journals</source><source>PubMed Central</source><source>Alma/SFX Local Collection</source><creator>Riggs, Kevin R. ; Buttorff, Christine ; Alexander, G. Caleb</creator><creatorcontrib>Riggs, Kevin R. ; Buttorff, Christine ; Alexander, G. Caleb</creatorcontrib><description>ABSTRACT
BACKGROUND
The Affordable Care Act (ACA) mandates that all private health insurance include out-of-pocket spending caps. Insurance purchased through the ACA’s Health Insurance Marketplace may qualify for income-based caps, whereas group insurance will not have income-based caps. Little is known about how out-of-pocket caps impact individuals’ health care financial burden.
OBJECTIVE
We aimed to estimate what proportion of non-elderly individuals with group insurance will benefit from out-of-pocket caps, and the effect that various cap levels would have on their financial burden.
DESIGN
We applied the expected uniform spending caps, hypothetical reduced uniform spending caps (reduced by one-third), and hypothetical income-based spending caps (similar to the caps on Health Insurance Marketplace plans) to nationally representative data from the Medical Expenditure Panel Survey (MEPS).
PARTICIPANTS
Participants were non-elderly individuals (aged < 65 years) with private group health insurance in the 2011 and 2012 MEPS surveys (n =26,666).
MAIN MEASURES
(1) The percentage of individuals with reduced family out-of-pocket spending as a result of the various caps; and (2) the percentage of individuals experiencing health care services financial burden (family out-of-pocket spending on health care, not including premiums, greater than 10 % of total family income) under each scenario.
KEY RESULTS
With the uniform caps, 1.2 % of individuals had lower out-of-pocket spending, compared with 3.8 % with reduced uniform caps and 2.1 % with income-based caps. Uniform caps led to a small reduction in percentage of individuals experiencing financial burden (from 3.3 % to 3.1 %), with a modestly larger reduction as a result of reduced uniform caps (2.9 %) and income-based caps (2.8 %).
CONCLUSIONS
Mandated uniform out-of-pocket caps for those with group insurance will benefit very few individuals, and will not result in substantial reductions in financial burden.</description><identifier>ISSN: 0884-8734</identifier><identifier>EISSN: 1525-1497</identifier><identifier>DOI: 10.1007/s11606-014-3127-z</identifier><identifier>PMID: 25472507</identifier><language>eng</language><publisher>Boston: Springer US</publisher><subject><![CDATA[Adult ; Cost of Illness ; Female ; Financing, Personal - economics ; Financing, Personal - statistics & numerical data ; Group health insurance ; Health care expenditures ; Health Care Reform - economics ; Health Expenditures ; Health Policy ; Humans ; Income - statistics & numerical data ; Insurance Coverage - economics ; Insurance Coverage - legislation & jurisprudence ; Insurance, Health - economics ; Insurance, Health - legislation & jurisprudence ; Internal Medicine ; Male ; Medicine ; Medicine & Public Health ; Middle Aged ; Patient Protection & Affordable Care Act 2010-US ; Patient Protection and Affordable Care Act - economics ; United States]]></subject><ispartof>Journal of general internal medicine : JGIM, 2015-05, Vol.30 (5), p.683-688</ispartof><rights>Society of General Internal Medicine 2014</rights><rights>Society of General Internal Medicine 2015</rights><lds50>peer_reviewed</lds50><oa>free_for_read</oa><woscitedreferencessubscribed>false</woscitedreferencessubscribed><citedby>FETCH-LOGICAL-c540t-fca28e2266b926c31dc7d8677aa58d24e70fe28a43260f4b94afa802fdd6f0783</citedby><cites>FETCH-LOGICAL-c540t-fca28e2266b926c31dc7d8677aa58d24e70fe28a43260f4b94afa802fdd6f0783</cites></display><links><openurl>$$Topenurl_article</openurl><openurlfulltext>$$Topenurlfull_article</openurlfulltext><thumbnail>$$Tsyndetics_thumb_exl</thumbnail><linktopdf>$$Uhttps://www.ncbi.nlm.nih.gov/pmc/articles/PMC4395601/pdf/$$EPDF$$P50$$Gpubmedcentral$$H</linktopdf><linktohtml>$$Uhttps://www.ncbi.nlm.nih.gov/pmc/articles/PMC4395601/$$EHTML$$P50$$Gpubmedcentral$$H</linktohtml><link.rule.ids>230,314,723,776,780,881,27901,27902,41464,42533,51294,53766,53768</link.rule.ids><backlink>$$Uhttps://www.ncbi.nlm.nih.gov/pubmed/25472507$$D View this record in MEDLINE/PubMed$$Hfree_for_read</backlink></links><search><creatorcontrib>Riggs, Kevin R.</creatorcontrib><creatorcontrib>Buttorff, Christine</creatorcontrib><creatorcontrib>Alexander, G. Caleb</creatorcontrib><title>Impact of Out-of-Pocket Spending Caps on Financial Burden of those with Group Health Insurance</title><title>Journal of general internal medicine : JGIM</title><addtitle>J GEN INTERN MED</addtitle><addtitle>J Gen Intern Med</addtitle><description>ABSTRACT
BACKGROUND
The Affordable Care Act (ACA) mandates that all private health insurance include out-of-pocket spending caps. Insurance purchased through the ACA’s Health Insurance Marketplace may qualify for income-based caps, whereas group insurance will not have income-based caps. Little is known about how out-of-pocket caps impact individuals’ health care financial burden.
OBJECTIVE
We aimed to estimate what proportion of non-elderly individuals with group insurance will benefit from out-of-pocket caps, and the effect that various cap levels would have on their financial burden.
DESIGN
We applied the expected uniform spending caps, hypothetical reduced uniform spending caps (reduced by one-third), and hypothetical income-based spending caps (similar to the caps on Health Insurance Marketplace plans) to nationally representative data from the Medical Expenditure Panel Survey (MEPS).
PARTICIPANTS
Participants were non-elderly individuals (aged < 65 years) with private group health insurance in the 2011 and 2012 MEPS surveys (n =26,666).
MAIN MEASURES
(1) The percentage of individuals with reduced family out-of-pocket spending as a result of the various caps; and (2) the percentage of individuals experiencing health care services financial burden (family out-of-pocket spending on health care, not including premiums, greater than 10 % of total family income) under each scenario.
KEY RESULTS
With the uniform caps, 1.2 % of individuals had lower out-of-pocket spending, compared with 3.8 % with reduced uniform caps and 2.1 % with income-based caps. Uniform caps led to a small reduction in percentage of individuals experiencing financial burden (from 3.3 % to 3.1 %), with a modestly larger reduction as a result of reduced uniform caps (2.9 %) and income-based caps (2.8 %).
CONCLUSIONS
Mandated uniform out-of-pocket caps for those with group insurance will benefit very few individuals, and will not result in substantial reductions in financial burden.</description><subject>Adult</subject><subject>Cost of Illness</subject><subject>Female</subject><subject>Financing, Personal - economics</subject><subject>Financing, Personal - statistics & numerical data</subject><subject>Group health insurance</subject><subject>Health care expenditures</subject><subject>Health Care Reform - economics</subject><subject>Health Expenditures</subject><subject>Health Policy</subject><subject>Humans</subject><subject>Income - statistics & numerical data</subject><subject>Insurance Coverage - economics</subject><subject>Insurance Coverage - legislation & jurisprudence</subject><subject>Insurance, Health - economics</subject><subject>Insurance, Health - legislation & jurisprudence</subject><subject>Internal Medicine</subject><subject>Male</subject><subject>Medicine</subject><subject>Medicine & Public Health</subject><subject>Middle Aged</subject><subject>Patient Protection & Affordable Care Act 2010-US</subject><subject>Patient Protection and Affordable Care Act - economics</subject><subject>United States</subject><issn>0884-8734</issn><issn>1525-1497</issn><fulltext>true</fulltext><rsrctype>article</rsrctype><creationdate>2015</creationdate><recordtype>article</recordtype><sourceid>EIF</sourceid><sourceid>8G5</sourceid><sourceid>BENPR</sourceid><sourceid>GUQSH</sourceid><sourceid>M2O</sourceid><recordid>eNp1kU-LFDEQxYMo7jj6AbxIwIuXaFJJJ5mLoMP-GVhYQb0aMulkpteepE26ld1Pb5pZl1XwVBT1e69SeQi9ZPQto1S9K4xJKgllgnAGitw-QgvWQEOYWKnHaEG1FkQrLk7Qs1KuKWUcQD9FJ9AIBQ1VC_RtcxisG3EK-GoaSQrkU3Lf_Yg_Dz62XdzhtR0KThGfddFG19kef5xy6-MsGfepePyrG_f4PKdpwBfe9rXZxDLlSvvn6EmwffEv7uoSfT07_bK-IJdX55v1h0viGkFHEpwF7QGk3K5AOs5ap1otlbK20S0Ir2jwoK3gIGkQ25WwwWoKoW1loErzJXp_9B2m7cG3zscx294MuTvYfGOS7czfk9jtzS79NIKvGln_ZYne3Bnk9GPyZTSHrjjf9zb6NBXDpOJcccnnXa__Qa_TlGM9b6ZAg2w0rRQ7Ui6nUrIP949h1MzpmWN6pqZn5vTMbdW8enjFveJPXBWAI1DqKO58frD6v66_Ac85pdM</recordid><startdate>20150501</startdate><enddate>20150501</enddate><creator>Riggs, Kevin R.</creator><creator>Buttorff, Christine</creator><creator>Alexander, G. 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Caleb</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-LOGICAL-c540t-fca28e2266b926c31dc7d8677aa58d24e70fe28a43260f4b94afa802fdd6f0783</frbrgroupid><rsrctype>articles</rsrctype><prefilter>articles</prefilter><language>eng</language><creationdate>2015</creationdate><topic>Adult</topic><topic>Cost of Illness</topic><topic>Female</topic><topic>Financing, Personal - economics</topic><topic>Financing, Personal - statistics & numerical data</topic><topic>Group health insurance</topic><topic>Health care expenditures</topic><topic>Health Care Reform - economics</topic><topic>Health Expenditures</topic><topic>Health Policy</topic><topic>Humans</topic><topic>Income - statistics & numerical data</topic><topic>Insurance Coverage - economics</topic><topic>Insurance Coverage - legislation & jurisprudence</topic><topic>Insurance, Health - economics</topic><topic>Insurance, Health - legislation & jurisprudence</topic><topic>Internal Medicine</topic><topic>Male</topic><topic>Medicine</topic><topic>Medicine & Public Health</topic><topic>Middle Aged</topic><topic>Patient Protection & Affordable Care Act 2010-US</topic><topic>Patient Protection and Affordable Care Act - economics</topic><topic>United States</topic><toplevel>peer_reviewed</toplevel><toplevel>online_resources</toplevel><creatorcontrib>Riggs, Kevin R.</creatorcontrib><creatorcontrib>Buttorff, Christine</creatorcontrib><creatorcontrib>Alexander, G. 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Caleb</au><format>journal</format><genre>article</genre><ristype>JOUR</ristype><atitle>Impact of Out-of-Pocket Spending Caps on Financial Burden of those with Group Health Insurance</atitle><jtitle>Journal of general internal medicine : JGIM</jtitle><stitle>J GEN INTERN MED</stitle><addtitle>J Gen Intern Med</addtitle><date>2015-05-01</date><risdate>2015</risdate><volume>30</volume><issue>5</issue><spage>683</spage><epage>688</epage><pages>683-688</pages><issn>0884-8734</issn><eissn>1525-1497</eissn><abstract>ABSTRACT
BACKGROUND
The Affordable Care Act (ACA) mandates that all private health insurance include out-of-pocket spending caps. Insurance purchased through the ACA’s Health Insurance Marketplace may qualify for income-based caps, whereas group insurance will not have income-based caps. Little is known about how out-of-pocket caps impact individuals’ health care financial burden.
OBJECTIVE
We aimed to estimate what proportion of non-elderly individuals with group insurance will benefit from out-of-pocket caps, and the effect that various cap levels would have on their financial burden.
DESIGN
We applied the expected uniform spending caps, hypothetical reduced uniform spending caps (reduced by one-third), and hypothetical income-based spending caps (similar to the caps on Health Insurance Marketplace plans) to nationally representative data from the Medical Expenditure Panel Survey (MEPS).
PARTICIPANTS
Participants were non-elderly individuals (aged < 65 years) with private group health insurance in the 2011 and 2012 MEPS surveys (n =26,666).
MAIN MEASURES
(1) The percentage of individuals with reduced family out-of-pocket spending as a result of the various caps; and (2) the percentage of individuals experiencing health care services financial burden (family out-of-pocket spending on health care, not including premiums, greater than 10 % of total family income) under each scenario.
KEY RESULTS
With the uniform caps, 1.2 % of individuals had lower out-of-pocket spending, compared with 3.8 % with reduced uniform caps and 2.1 % with income-based caps. Uniform caps led to a small reduction in percentage of individuals experiencing financial burden (from 3.3 % to 3.1 %), with a modestly larger reduction as a result of reduced uniform caps (2.9 %) and income-based caps (2.8 %).
CONCLUSIONS
Mandated uniform out-of-pocket caps for those with group insurance will benefit very few individuals, and will not result in substantial reductions in financial burden.</abstract><cop>Boston</cop><pub>Springer US</pub><pmid>25472507</pmid><doi>10.1007/s11606-014-3127-z</doi><tpages>6</tpages><oa>free_for_read</oa></addata></record> |
| fulltext | fulltext |
| identifier | ISSN: 0884-8734 |
| ispartof | Journal of general internal medicine : JGIM, 2015-05, Vol.30 (5), p.683-688 |
| issn | 0884-8734 1525-1497 |
| language | eng |
| recordid | cdi_pubmedcentral_primary_oai_pubmedcentral_nih_gov_4395601 |
| source | MEDLINE; Springer Nature - Complete Springer Journals; Elektronische Zeitschriftenbibliothek - Frei zugängliche E-Journals; PubMed Central; Alma/SFX Local Collection |
| subjects | Adult Cost of Illness Female Financing, Personal - economics Financing, Personal - statistics & numerical data Group health insurance Health care expenditures Health Care Reform - economics Health Expenditures Health Policy Humans Income - statistics & numerical data Insurance Coverage - economics Insurance Coverage - legislation & jurisprudence Insurance, Health - economics Insurance, Health - legislation & jurisprudence Internal Medicine Male Medicine Medicine & Public Health Middle Aged Patient Protection & Affordable Care Act 2010-US Patient Protection and Affordable Care Act - economics United States |
| title | Impact of Out-of-Pocket Spending Caps on Financial Burden of those with Group Health Insurance |
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