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发现
- 去找1自付医疗费用 grew between 2013 and 2016, but remained a relatively constant share of 实得收入.
- 去找2The financial burden of out-of-pocket healthcare spending was highest for older, 低收入, 女性账户持有人 and increased in 2016 for 低收入 account holders.
- 去找3医生、牙医和医院的支出占观察到的医疗保健支出的一半以上. 牙科 and hospital payments were less common but larger in magnitude.
- 去找4自付医疗费用高度集中在少数家庭中——通常是同一家庭,年复一年. 收入最高的10%的人将实得收入的9%用于自付医疗费用.
- 去找5家庭在支付能力较强的月份和年份支付的医疗费用较高. Elevated dental and hospital payments primarily contributed to high healthcare spending.
- 去找6在我们的23个州之间和内部,自付医疗保健支出存在巨大差异. 家庭 in 科罗拉多州 spent the most on healthcare, while families in 路易斯安那州 spent the highest fraction of their gross income on healthcare.
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医疗保健 costs are rising for families. In 2015, the US spent 18 percent of Gross Domestic Product (GDP) on healthcare, 从2000年的13%上升. For every dollar spent on healthcare, families paid 11 cents out-of-pocket and 28 cents after including insurance costs. 而医疗保险和医疗补助服务中心预计,到2025年,医疗支出的增长速度将继续快于GDP, 家庭支付医疗费用的未来也取决于目前正在讨论的政策选择. Out-of-pocket costs are a key piece of that picture.
12bet官方研究所(12bet官方 研究所)着手更好地了解美国家庭的自费医疗支出. 基于2的样本.3 million de-identified core 追逐 customers aged 18 to 64 between 2013 and 2016, we created the 12bet官方 研究所 医疗保健 Out-of-pocket 支出 Panel (JPMCI HOSP). 我们探索了关卡, 浓度, 自费医疗支出的增长以及这些支出趋势对整体家庭财务健康的影响. JPMCI HOSP首次以每月为基础对家庭的自付医疗保健支出进行了调查, 在国家, 地铁, 县级, 最近一次是在2016年. 在本报告中,我们将描述这个新数据资产的创建过程,以及从中收集到的初步见解.
找到一个: 自付医疗费用 grew between 2013 and 2016, but remained a relatively constant share of 实得收入.
每个家庭平均花费714美元.6 percent of their 实得收入 on out-of-pocket healthcare spending in 2016. 自付医疗费用 grew by an average annual rate of 4.3%.
发现二: The financial burden of out-of-pocket healthcare spending was highest for older, 低收入, 女性账户持有人 and increased in 2016 for 低收入 account holders.
发现三: 医生、牙医和医院的支出占观察到的医疗保健支出的一半以上. 牙科 and hospital payments were less common but larger in magnitude.
发现四: 自付医疗费用高度集中在少数家庭中——通常是同一家庭,年复一年. 收入最高的10%的人将实得收入的9%用于自付医疗费用.
发现五: 家庭在支付能力较强的月份和年份支付的医疗费用较高. Elevated dental and hospital payments primarily contributed to high healthcare spending.
发现六: 在我们的23个州之间和内部,自付医疗保健支出存在巨大差异. 家庭 in 科罗拉多州 spent the most on healthcare, while families in 路易斯安那州 spent the highest fraction of their gross income on healthcare.
结论
12bet官方研究所医疗保健自付支出小组(JPMCI HOSP)在我们评估医疗保健政策的拟议变更时提供了几个关键见解. 第一个, out-of-pocket healthcare expenses represent a stable share of household income in aggregate, but are a source of financial strain for certain families. 医疗改革应考虑到对医疗费用负担更重的家庭的影响,特别是老年人, 低收入, 女性账户持有人. 第二个, 医疗支出可能会很大, 意想不到的, and concentrated in the months and years when families have a higher ability to pay. 像这样, 消费者将受益于更透明的定价和支付方式,从而更好地管理医疗费用. 第三, 成本控制措施, 包括基于价值的护理, could have meaningful impacts on costs borne by families, not just by insurers and healthcare providers. 最后, 不同地区医疗保健支出水平和负担的巨大差异凸显了医疗保健作为州和地方政策问题的重要性.