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Out-of-Pocket Health Spending Between Low- and High-Income Populations: Who is at Risk of Having High Financial Burdens?

Author

Listed:
  • Yu-Chu Shen
  • Joshua McFeeters

Abstract

We examined characteristics of people with little, moderate, and high burden of out-of-pocket health spending separately for low-income (below 200% of Federal Poverty Line) and higher-income populations. We find that public insurance appears to offer the best financial protection against high out-of-pocket burden. People with private non-group coverage, regardless of their income levels, have the highest risk of being exposed to high out-of-pocket burden. Low-income adults with employer-sponsored insurance are also more likely to be in high burden group than the low-income uninsured adults. For higher-income families, having a family member in fair or poor health is another significant risk factor to increase the likelihood of high out-of-pocket burden. Increasing presence of HMO and Federally Qualified Health Centers appear to have lowered the odds of being in the high-burden category relative to low-burden category, especially for the low-income group.

Suggested Citation

  • Yu-Chu Shen & Joshua McFeeters, 2005. "Out-of-Pocket Health Spending Between Low- and High-Income Populations: Who is at Risk of Having High Financial Burdens?," NBER Working Papers 11179, National Bureau of Economic Research, Inc.
    • Handle: RePEc:nbr:nberwo:11179
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    Cited by:

    1. Howell, Bronwyn, 2007. "Contractual Pitfalls in Capitated Primary Health Care: Sharing Random Demand Risk in New Zealand's Strategy," Working Paper Series 3965, Victoria University of Wellington, The New Zealand Institute for the Study of Competition and Regulation.
    2. repec:vuw:vuwscr:18937 is not listed on IDEAS
    3. repec:vuw:vuwscr:19064 is not listed on IDEAS
    4. Howell, Bronwyn, 2006. "Paying for the Hospital Waiting List Cull at the GP's Surgery: The Changing Locus of Financial Risk-Bearing in New Zealand's Primary Healthcare Sector," Working Paper Series 3842, Victoria University of Wellington, The New Zealand Institute for the Study of Competition and Regulation.
    5. Howell, Bronwyn, 2006. "Paying for the Hospital Waiting List Cull at the GP's Surgery: The Changing Locus of Financial Risk-Bearing in New Zealand's Primary Healthcare Sector," Working Paper Series 18937, Victoria University of Wellington, The New Zealand Institute for the Study of Competition and Regulation.
    6. Howell, Bronwyn, 2007. "Contractual Pitfalls in Capitated Primary Health Care: Sharing Random Demand Risk in New Zealand's Strategy," Working Paper Series 19064, Victoria University of Wellington, The New Zealand Institute for the Study of Competition and Regulation.

    More about this item

    JEL classification:

    • I1 - Health, Education, and Welfare - - Health

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