If you don't have insurance- What happens?
Advocacy vs. Research in the Minnesota Department of Health.
The state of Minnesota's Health System. Our Future and what you can do right NOW to help your self.
What are the patterns of the young and uninsured?
Stefan talks about the major problems with young adults and not being insured. The state of transition, low income and little or no benefits create the perfect storm for people in the 20s. What are your choices and priorities?
What happens when you delay care? Stefan answers questions about what happens in an emergency situation, costs, problems and procedures.
Among the individuals from 14 Minnesota colleges and universities who participated in the 2007 College Student Health Survey (conducted each year by Boynton Health Service), 13.9 percent report they are uninsured or do not know if they are insured.
These rates tend to be lower than the uninsured rates among all 18- to 24- year-old Minnesotans. Because many insurance plans allow dependents under the age of 25 to remain eligible for coverage while attending a postsecondary institution, this may be a factor in the lower rates reported by survey respondents. In addition, the lower rates may reflect students’ access to health insurance offered through the institution they are attending.
Students attending the University of Minnesota–Twin Cities (UMTC) report an overall uninsured rate of 14.6 percnet. Males tend to have a higher uninsured rate compared to females (17.6 percent vs. 12.6 percent, respectively). International students report an uninsured rate of 54.6 percent.
University of Minnesota–Twin Cities students ages 25-29 report the highest uninsured rate. The lowest uninsured rates are among UMTC students ages 18-19 and 20-24. This may be a reflection of parental health insurance coverage for students ages 18-24.
Health insurance coverage appears to have an impact on whether UMTC students obtained routine medical examinations within the past 12 months. Uninsured male and female students had slightly lower rates of obtaining a routine medical examination than insured students.
Insured students at UMTC obtain immunizations for hepatitis A, hepatitis B, and meningitis at higher rates than uninsured students at the university. However, insured and uninsured students at UMTC receive influenza immunizations at the same rate.
Study Shows Uninsured Receive Less Care and Experience Worse Outcomes
A new study featured in the March 14, 2007, Journal of the American Medical Association theme issue on Access to Care documents that people who are uninsured receive less care and have worse outcomes following an accident or the onset of a new chronic condition than those with insurance.
Health Insurance Coverage of Women, 18-64 by, 2005-2006
Private Insurance: 81%
10 myths about uninsured:
Myth 1: The uninsured go without coverage because they believe they do not need it or don’t want it.
FACT: The majority of uninsured, regardless of how young they are, say they forgo coverage because they cannot afford it, not because they don’t need it.
Myth 2: Most of the uninsured do not have health insurance because they are not working and so don’t have access to health benefits through an employer.
FACT: Most of the uninsured are either working full-time or have someone in their immediate family who does — the problem is that the majority of the uninsured are not offered benefits through their employers.
Myth 3: Most of the growth in the uninsured has been among those with higher incomes.
FACT: The majority of the growth in the uninsured since 2000 has been among people earning less than $38,000 a year for a family of four (commonly considered low-income).
Myth 4: Most of the uninsured are new immigrants who are not U.S. citizens.
FACT: The large majority of the uninsured (79%) are American citizens.
Myth 5: The uninsured often receive health services for free or at reduced charge.
FACT: Free or even discounted health services are not common and when the uninsured are unable to pay the full costs, the unpaid medical bills add to their providers’ costs.
Myth 6: The uninsured can get the care they need when they really need it and are able to avoid serious health problems.
FACT: The uninsured are more likely to postpone and forgo care with serious consequences that increase their chances of preventable health problems, disability, and premature death.
Myth 7: Buying health insurance coverage on your own is always an option.
FACT: Individually purchased policies — vs. job-based group policies with similar benefits — are more expensive and coverage can be limited or even denied to persons in less than good health.
Myth 8: We don’t really know how large the uninsured problem is and many are only uninsured for brief periods.
FACT: Depending on whether we count the number of people who are uninsured during a specific month, for an entire year, or just for short periods, the numbers will differ; and all measures are useful.
Myth 9: The health care the uninsured receive, but do not pay for, results in higher insurance premiums.
FACT: The large majority of uncompensated care is subsidized through a mix of federal and state government dollars not cost-shifts to private payers.
Myth 10: Expanding health insurance coverage to all, or even a large share of the uninsured, will cost far more than the country currently spends on health care.
FACT: Because both the uninsured and government subsidies pay for a good share of their health care costs already, the amount of additional healthspending to cover all of the uninsured is relatively small.
Health Insurance Coverage of the Nonelderly, 2006, United States
Adults 19-24: 31.2 % uninsured
Adults 25-34: 27.1 % uninsured
Adult males, 19-34: 32.6 % uninsured
Adult females,19-43: 24.7 % uninsured