Healthcare Hadley, Jack, John Holahan, Teresa Coughlin, Essay

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Healthcare

Hadley, Jack, John Holahan, Teresa Coughlin, & Dawn Miller. (2008). Covering the uninsured in 2008: Current costs, sources of payment, and incremental costs. Health Affairs, Web

Exclusive, 399-415.

According to Hadley (et al. 2008), "the cost of expanding coverage to the 16% of Americans who are uninsured would add 5% to national health spending" (Hadley 2008: 399). This cost is considerable, yet the cost of allowing the status quo to remain is far greater. In the article, "Covering the uninsured" the authors use quantitative analysis to determine how much care uninsured persons currently receive, how much of it remains uncompensated because of an inability to pay, and how much more coverage would be consumed if all Americans did have health insurance (Hadley 2008: 399). Their data encompasses interviews of 102,000 people who were part of the Medical Expenditure Panel Surveys; data from government budgets and health care providers; surveys of private physicians; and budget and program data from government programs that serve the uninsured.

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Unsurprisingly, the uninsured were found to contribute considerably more out-of-pocket to subsidize their own healthcare than the insured. Uninsured persons paid 35% of the costs of their own care, versus 17% of insured persons. This amounts to $536 per capita for the uninsured. In terms of insurance coverage, patients with private insurance spend the least ($3,915); while "Medicaid recipients spend about 23% more; and those with Medicare only or various combinations of coverage spend the most for care" (Hadley 2008: 402). This is attributed to the difference in health status between the populations, although it could also be noted that Medicaid and particularly Medicare contain many exceptions to the types of coverage and treatments they will cover, versus the most comprehensive private health insurance policies.

There is a clear financial burden borne by the system because of the lack of health insurance in terms of the uncompensated care that is dispensed,.....

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