Navigation Links
Half of Americans with individual health plans could gain better coverage under the ACA
Date:5/25/2012

and exposed people to undue financial risk.

Average out-of pocket spending for households with individual plans was $4,127 per year, the study found. For households in the very highest category of spendingvery sick people who incur huge medical billsindividual insurance plans in the "tin" category left them with over $27,000 per year in out-of-pocket spending.

Group Health Insurance

The researchers also looked at group health insurance offered through employers in 2010, finding that more than 60 percent of Americans with group insurance had plans that fell into the "gold" or "platinum" category as defined by the health reform law. Gold plans or platinum plans cover 80 percent of more of health expenses on average, typically covering preventive services, such as screening for cancer, maternity care, and some mental health services, according to the study.

Gabel and his colleagues found that most people in group plans had better coverage and were more likely to be protected from high out-of-pocket medical expenses than those with individual health insurance. For example, the average household with an employer-based group health plan spent about $1,765 annually on out-of-pocket medical expenses, compared with $4,127 for those with individual coverage.

High-coverage group health plans mostly offered generous benefits and protection against catastrophically high medical bills, the authors found. But even these plans did not offer complete protection for the top 1 percent of spenderspeople in poor health. The top spenders in group plans paid on average $7,513 in out-of-pocket medical expenses on a yearly basis.

Transforming the Insurance Marketplace

The Affordable Care Act will transform the individual insurance market significantly, the authors said, adding that the post-reform individual insurance market will look nothing like it does today. In the past, insurance companies in the United States typicall
'/>"/>

Contact: Mary Mahon
mm@cmwf.org
212-606-3853
Commonwealth Fund
Source:Eurekalert

Page: 1 2 3 4

Related medicine news :

1. Luth Researchs IndicatorEDG(TM) Study Finds Americans Hopes of Achieving Their Dreams Are Fading
2. Majority of Americans Approve of President Obamas Handling of Afghanistan and National Security But Disapprove of Handling of Economic Issues, Per Franklin & Marshall College Poll With Hearst Television
3. 57 Million Americans Sickened by H1N1 Flu: CDC
4. One in Ten Americans Visited a Health Insurance Site in Q4 2009
5. Most Americans Think Its Others Who Are Unhealthy
6. Americans Recognize Risk of Fire to Older Adults
7. County-By-County Report Sizes Up Americans Health
8. Americans Falling Short on Heart-Healthy Fruits and Vegetables
9. Rising Use of Medical Technologies Extending Americans Lives
10. “Hearts and Minds” Education Program Launched: On Average, People with Mental illness Live 25 Years Less than Other Americans
11. African-Americans attitudes about lung cancer may hinder prevention
Post Your Comments:
*Name:
*Comment:
*Email:
(Date:4/23/2014)... the depletion of self-control, according to research published in ... for Psychological Science. , Self-control can be difficult ... on a boring textbook are hard things to do. ... Exerting self-control for a long period seems to "deplete" ... , "It is as if self-control is a limited ...
(Date:4/22/2014)... a popular high school sport in the United States ... by researchers in the Center for Injury Research and ... compare and describe the occurrence and distribution patterns of ... school athletic training setting among adolescents and teens. , ... Athletic Training , examined data relating to adolescents 13-19 ...
(Date:4/22/2014)... researchers have characterized a set of clock genes that ... types of species, from flies to humans. Over 15 ... there are more. A team from the Perelman School ... big-data approaches could find them. , To accelerate ... professor of Pharmacology and first author Ron Anafi, MD, ...
(Date:4/22/2014)... percent of all lung cancers are small cell ... develop resistance to chemotherapy. However, researchers at Virginia ... insights into the mechanisms leading to this resistance ... Chemotherapies work primarily by mediating B-cell lymphoma 2 ... cell death. Depending on their function, this family ...
(Date:4/22/2014)... Washington, DC (April 22, 2014) The International ... May 22-26 in Seattle, Washington. The theme of ... life" means in a networked and digital society. ... and attended by over 2,200 Communication scholars representing ... largest scholarly international communication conference in the world. ...
Breaking Medicine News(10 mins):Health News:ADHD drug may help preserve our self-control resources 2Health News:New study finds 2.5 million basketball injuries to high school athletes in 6 seasons 2Health News:New study finds 2.5 million basketball injuries to high school athletes in 6 seasons 3Health News:Bioinformatics profiling identifies a new mammalian clock gene 2Health News:Scientists pinpoint protein that could improve small cell lung cancer therapies 2Health News:International Communication Association to hold Annual Conference in Seattle, Washington 2
... Society report outlines 21 challenges and needs for global tobacco ... and expertise needed to reduce the rising tide of tobacco ... are the target of the multinational tobacco industry. The report ... issue of CA: A Cancer Journal for Clinicians . ...
... Genital herpes caused by a reactivation of herpes simplex ... lesion in one specific area of the genital region. ... frequently reactivate throughout the genital tract, an important new ... prevention. Now available online ( http://www.journals.uchicago.edu/doi/abs/10.1086/650302 ), the study ...
... is associated with increased cancer risk. The most ... noted for a common form of liver cancer called ... obesity in mice, researchers at the University of California, ... obesity is tumor-promoting and have obtained evidence that this ...
... Hasbro Children,s Research Center and Hasbro Children,s Hospital researchers ... from The Eunice Kennedy Shriver National Institute of Child ... of asthma on the sleep quality and academic performance ... pediatric researchers, led by Daphne Koinis-Mitchell, PhD, to evaluate ...
... reduce the transmission of influenza-like illness during flu season. ... online ( http://www.journals.uchicago.edu/doi/abs/10.1086/650396 ), published in the Feb. 15 ... In an influenza pandemic, vaccination may not be ... is why scientists need to understand how effective other ...
... The BC Centre for Disease Control has launched ... the pandemic H1N1 flu virus has evolved in British ... months. This project capitalizes on BC,s expertise and ... genomes from circulating influenza viruses collected in British Columbia ...
Cached Medicine News:Health News:Global tobacco report outlines 21 challenges for 21st century 2Health News:Global tobacco report outlines 21 challenges for 21st century 3Health News:Study shows genital herpes virus reactivates widely throughout genital tract 2Health News:Link between obesity and enhanced cancer risk elucidated 2Health News:New research will examine link between childhood asthma, sleep and school performance 2Health News:Study finds face masks and hand hygiene can help limit influenza's spread 2Health News:Genomic surveillance of pandemic H1N1 2
(Date:1/15/2014)... Jan. 15, 2014  Celsion Corporation (the "Company") (NASDAQ: ... from institutional investors to purchase an aggregate of approximately ... at-the-market registered direct offering, led by a dedicated health ... purchase agreements with these investors pursuant to which the ...
(Date:1/15/2014)... Texas , Jan. 15, 2014  Humberto C. Antunes,  ... Achievement Award" from the Journal of Drugs in ... & Clinical Conference (ODAC). The event is January 17-20, 2014, at ... Florida . The ODAC is ...
(Date:1/15/2014)... BEACH GARDENS, Fla. , Jan. 15, 2014  In an unprecedented ... difficile and TB in ambulances and other transport vehicles, an advanced ... used by rescue personnel for the first time. ... in contact with these deadly pathogens, West Palm Beach ...
Breaking Medicine Technology:Celsion Corporation Announces $15 Million At-The-Market Registered Direct Offering 2Celsion Corporation Announces $15 Million At-The-Market Registered Direct Offering 3Galderma's global leader honored with a "Lifetime in Dermatology Achievement Award" by Journal of Drugs in Dermatology 2Galderma's global leader honored with a "Lifetime in Dermatology Achievement Award" by Journal of Drugs in Dermatology 3Galderma's global leader honored with a "Lifetime in Dermatology Achievement Award" by Journal of Drugs in Dermatology 4Superbugs No Longer Ride In Rescue Vehicles 2
... CARLOS, Calif., Sept. 21 NeurogesX, Inc.,(Nasdaq: ... enrollment in study,C119, a second Phase 3 clinical ... treatment of painful HIV-distal sensory polyneuropathy,(HIV-DSP). NGX-4010 is ... Previously completed Phase 3 trials demonstrated that a,single, ...
... a,licensee of Vical Incorporated (Nasdaq: VICL ), ... 3 clinical trial of its NV1FGF,angiogenesis therapy, which ... successful completion of the trial, called TAMARIS,sanofi-aventis expects ... The plasmid DNA (pDNA) therapy encodes Fibroblast Growth ...
Cached Medicine Technology:NeurogesX Completes Enrollment in Confirmatory Phase 3 Clinical Trial for Painful HIV Distal Sensory Polyneuropathy 2NeurogesX Completes Enrollment in Confirmatory Phase 3 Clinical Trial for Painful HIV Distal Sensory Polyneuropathy 3NeurogesX Completes Enrollment in Confirmatory Phase 3 Clinical Trial for Painful HIV Distal Sensory Polyneuropathy 4Vical Licensee Sanofi-aventis Initiates Phase 3 Trial to Reduce Amputations 2Vical Licensee Sanofi-aventis Initiates Phase 3 Trial to Reduce Amputations 3
... Long Instrument for applications in ... Plus Long Instrument with 150mm ... endoscopic entry device that has ... is used to establish entry ...
... The Autosuture™ Blunt Tip Trocar consists ... handle and a valve body assembly. , ... internal flapper valve and seal to prevent ... withdrawn. The Autosuture™ Blunt Tip Trocar includes ...
... components are supplied sterile. , ,The Step™ ... sterile in 2/3, 5, 7/8, 10 and 12 ... They are used in conjunction with the Step™ ... Expandable Sleeve. The 5, 7/8, 10 and 12 ...
... The Step™ and Mini Step™ device components are ... Step™ Single Use System is supplied sterile in ... packaged in various configurations and combinations. They are ... Access needle and the Step™ radially Expandable Sleeve. ...
Medicine Products: