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How is it changing? Who are the uninsured? Consequences of being uninsured z.How Many Uninsured Are There?Estimates vary > Different surveys and methodologies > Depends on length of time being measured Coverage more fluid than estimates indicate Many are uninsured for brief periods pZTZ,ZZ%ZZZZU/Estimates of the Uninsured, 2003 (in millions)fLength of Time Uninsured{/How is it Changing?Uninsurance increasing for adults Uninsurance decreasing for children Shift from private to public coverage for low income persons `#%?$  `VPercent Uninsured g(Premiums are Rising Faster Than EarningshLow Income Adults (< 200% FPL)i! 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P MCTS   B>  ?"p   N52.5   BM  ?"@ p   N28.3   BDP  ?"p @  N43.2   B|_  ?"p   NNHIS   B0h  ?" p  N61.7   Bq  ?"@ p  N32.0    Bz  ?" @ p  N47.0    BH  ?" p  Q MEPS     BČ  ?"  K-    B  ?"@   N44.7    B  ?"@  K-   B  ?"  MCPS   B\(  ?"  ZAny Time in Year   BL2  ?"@  T Full Year     B;  ?" @  W Point-in Time   Bē  ?"  R  zB  <1?"PPzB  <1?" zB " <1?" zB  <1?"  zB ~ <1?" zB  <1?" @ zB  <1?"@  zB  <1?"  zB  <1?" p zB  <1?"p zB  <1?" PzB  <1?"P@ PzB  <1?"@ PPzB  <1?"PPzB  <1?" zB  <1?" p zB  <1?"p  zB  <1?" PxB J BD33o?"00 0xB K BD33o?"0 P0xB L BD33o?"0`0H  0޽h ? 933  0 ps(  x  c $} `0     0 HA ?``     H|  ?"  e+Source: CBO estimates from SIPP, 1996-1999, ,ff  HT  ?" 4 @  ?26%    H  ?"p `  ?45%    H  ?" T  ?13%    H|  ?"P@  ?16%  H  0޽h ? 93  0 $0(  $x $ c $H `0    x $ c $  P   H $ 0޽h ? 93  0 <(  ~  s * `0     0 HA ?0c     H| ?"i  P \"Source: EBRI estimates of the CPS# #ffH  0޽h ? 93  0 U(  x  c $  `0     0 HA ?     H| ?" {ASource: Kaiser/HRET Survey of Employer-Sponsored Health BenefitsB BffH  0޽h ? 93  0 1(  x  c $\|`0   |  0 HA ?`  |  H$| ?"GF . WSource: CTS Household Survey ffH  0޽h ? 93   0 1(  x  c $|`0   `  0 HA ?0l  |  Hh| ?"GF . WSource: CTS Household Survey ffH  0޽h ? 93   0 40(  4x 4 c $|`0   ` x 4 c $| P | H 4 0޽h ? 93s   0 #(  x  c $|`0   |  0 HA ?Q  |  H| ?"0 x>Source: EBRI estimates from the CPS, February 2001 supplement? ?ff  Hd| ?"   A60.4%    H<| ?"  A17.3%    <| ?" _ T  A22.3%  H  0޽h ? 93y   0 )!(  x  c $|`0   |  0 HA ?Q  |  H| ?" x>Source: EBRI estimates from the CPS, February 2001 supplement? ?ff  H| ?" j  ?67%    H`| ?"D  ?20%    H| ?" T  ?13%  H  0޽h ? 93x   0 ( d(  dx d c $, |`0   |  d0 HA  ?\   | d H@| ?" x>Source: EBRI estimates from the CPS, February 2001 supplement? ?ff d HT| ?" t  ?66%   d H| ?"L   ?28%   d H"| ?" c  >6%  H d 0޽h ? 93E  0 h(  hx h c $|`0   |  h0 HA  ?   | h Hl| ?" x>Source: EBRI estimates from the CPS, February 2001 supplement? ?ff h HL,| ?"P  ?33%   h H*| ?" l  ?51%   h H.| ?", p  ?10%   h H6| ?"` 4 >6%  H h 0޽h ? 93  0  7(  x  c $\8|`0   |  0 HA ?  |  H>| ?"iFj P ]#Source: CTS Household Survey, 2003$ $ffH  0޽h ? 93  0 07(  x  c $E|`0   |  0 HA ?  |  HF| ?"iFj P ]#Source: CTS Household Survey, 2003$ $ffH  0޽h ? 93  0 @7(  x  c $dN|`0   |  0 HA ?Z  |  H,P| ?"iFj P ]#Source: CTS Household Survey, 2003$ $ffH  0޽h ? 93  0 P7(  x  c $W|`0   |  0 HA ?0  |  HX| ?"i P ]#Source: CTS Household Survey, 2003$ $ffH  0޽h ? 93  0 ` 7(   x   c $Q|`0   |   0 HA ?  |   HP_| ?"iFj P ]#Source: CTS Household Survey, 2003$ $ffH   0޽h ? 93  0 p2(  x  c $xe|`0   |  0 HA ?  |  H@g| ?"iF" P XSource: CTS Household Surveys ffH  0޽h ? 93  0 80(  8x 8 c $n|`0   | x 8 c $Ho| P | H 8 0޽h ? 93  0 7(  x  c $L}|`0   |  0 HA ?0  |  H| ?"iFj P ]#Source: CTS Household Survey, 2003$ $ffH  0޽h ? 93   0 xJ(  xx x c $|`0   |  x0 HA +?` + | x Hć| ?" p6Source: National Ambulatory Medical Care Survey, 20017 7ffH x 0޽h ? 93  0 7(  x  c $8``0   a  0 HA ?0  `  H` ?"iFj P ]#Source: CTS Household Survey, 2003$ $ffH  0޽h ? 93P2 0 D`(  DX D C LB    D S   K    bN The Uninsured in America, presentation by Peter Cunningham, of the Center for Studying Health System Change to the Citizens Health Care Working Group, May 11, 2005.H D 0j ? ̙3380___PPT10.NV0V 0 /'@T(  TX T C LB   |' T S | K   |  Topics to be addressed in the presentation on the uninsured include: how many, how it is changing, who are the uninsured, and what are the consequences of being uninsured?H T 0j ? ̙3380___PPT10.OV0W. 0  PX(  XX X C LB   |  X S | K   | The estimates of how many uninsured there are vary; coverage is more fluid than the estimates indicate; and many are uninsured for brief periods.H X 0j ? ̙3380___PPT10.PV3 h 0 `\x(  \X \ C LB   | \ S | K   | zfBased on 2003 data, estimates for the uninsured vary, depending on the type of data collection methods and the time period covered. The CPS estimate of 44.7 million for a full year of being uninsured is the most frequently cited. The CPS full year estimate is higher than others; but the methodology has been challenged; the MEPS number may be more accurate.H \ 0j ? ̙3380___PPT10.PV@4 0  p`(  `X ` C LB   | ` S | K   | Forty-five percent of the uninsured have been uninsured for four months or less; thirty percent of the uninsured have been uninsured for over a year. Health care coverage is quite fluid. A relatively small percentage of people are uninsured for two years or longer. For researchers and policy makers, the important question is, does it matter if people have prolonged periods of being uninsured?H ` 0j ? ̙3380___PPT10.PV/ 0 G?d(  dX d C LB   |? d S ,| K   | Changes are occurring in coverage; loss of insurance coverage is increasing for adults, decreasing for children, and coverage for those with low incomes is shifting from private to public coverage.H d 0j ? ̙3380___PPT10.QV 0 |th (  hX h C LB   |t h S | K   | Same results as previous slide; but as a line graph: Changes are occurring in coverage; loss of insurance coverage is increasing for adults, decreasing for children, and coverage for those with low incomes is shifting from private to public coverage.H h 0j ? ̙3380___PPT10.QV  0 phl(  lX l C LB   |h l S ] K   | Line graph further shows premiums increasing dramatically while inflation and worker s earnings are flat or decreasing.H l 0j ? ̙3380___PPT10.RVy 0 p(  pX p C LB   ] p S ] K   ] wFor Low Income Adults, between 1997 and 2003, private coverage decreased while public coverage and uninsured increased.H p 0j ? ̙3380___PPT10.RV0QT! 0 td(  tX t C LB   ] t S ] K   ] fRReductions of uninsured among low income children resulted from increased public coverage (Medicaid and SCHIP). There has been a fair amount of  crowd out by public coverage. There is an ongoing debate about whether the good of broader coverage outweighs the bad of crowding out private coverage.H t 0j ? ̙3380___PPT10.RV n0 0 XPx(  xX x C LB   ]P x S t] K   ] Who are the uninsured? Most uninsured are in working families; Employer-Sponsored Insurance (ESI) coverage is not available to them; and low income, young adults, and Hispanics are at high risk of being uninsured.H x 0j ? ̙3380___PPT10.RVq)" 0 |9(  |X | C LB   ] | S !] K   ] ;'Most uninsured are in working families.H | 0j ? ̙3380___PPT10.RV`~  0 (  X  C LB   ]  S '] K   ] |There are uninsured workers because, for 87% of them, either the employer doesn t offer health benefits or they are not eligible for the benefits the employer offers. Only 13% of uninsured workers are offered benefits that they do not take. Of all workers who are offered health insurance, about 85% accept the offer.H  0j ? ̙3380___PPT10.RVM 0 |(  X  C LB   ]|  S x1] K   ] Of the 13% that don t take up insurance, 2/3 said they did so because of cost; said they don t know; 6% say they don t need it.H  0j ? ̙3380___PPT10.SV?lp 0 (  X  C LB   ]  S @8] K   ] nOf the ineligible workers, are contract or temporary workers and 1/3 work too few hours or weeks to qualify.H  0j ? ̙3380___PPT10.SVpH& 0 E= (  X  C LB   ]=  S \?] K   ] Most of the uninsured workers are employed in small firms, with fewer than 25 employees. Costs of providing health care coverage is higher and administrative costs are higher for small employers.H  0j ? ̙3380___PPT10.SV]F- 0 0V(  X  C LB   ]  S G] K   ] XDMost uninsured are in low-wage jobs, less than $10/hour during 2003.H  0j ? ̙3380___PPT10.SV`a+ 0 G?@(  X  C LB   ]?  S M] K   ] Most of the uninsured are in low income families (less than 200% of poverty). There is an increasing concern that more moderate income people are likely to be adding to the ranks of the uninsured.H  0j ? ̙3380___PPT10.SV@' 0 xP(  X  C LB   ]x  S V] K   ] A disproportionately high percent of the uninsured are young adults: they are no longer eligible for Medicaid or SCHIP or their parents coverage. They may choose to forego coverage initially. They tend to be a healthier group and therefore at lower risk.H  0j ? ̙3380___PPT10.UV0, 0 ( `(  X  C LB   ]   S ,_] K   ] Not having insurance is a major problem in the Hispanic community; this population represents about 16% of the total population but 32% of the uninsured are Hispanic.H  0j ? ̙3380___PPT10.UV i( 0 p(  X  C LB   ]  S f] K   ] PNon-citizens are more likely to be uninsured. Regions with higher populations of Hispanics and noncitizens have disproportionately higher populations of uninsured. Both noncitizens and citizen Hispanics have higher rates of uninsurance. There is a fair amount of parity between whites and African-Americans in health insurance coverage.>_ ? , fH  0j ? ̙3380___PPT10.VV1 0 1)(  X  C LB   ])  S r] K   ] The consequences of being uninsured include: reduced access, more unmet medical needs, higher use of emergency departments, more financial problems, and worse health outcomes.H  0j ? ̙3380___PPT10.VVP;xL* 0 \(  X  C LB   ]  S lz] K   ] ^JThe uninsured have more general medical and prescription drug unmet needs.H  0j ? ̙3380___PPT10.VV`  0 (  X  C LB   ]  S Ѐ] K   ] The uninsured have a much higher utilization of emergency department visits. Those eligible for Medicaid have high utilization of emergency departments. H  0j ? ̙3380___PPT10.VV~# 0 (  X  C LB   ]  S <] K   ] The uninsured have more financial problems than the insured even though they use a lot less on health care. 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