How much health insurance is enough? Revisiting the concept of underinsurance

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Abstract

There is little consensus on what constitutes adequate health insurance coverage. The concept of a lack of adequate coverage, or underinsurance, is a matter of ongoing debate. A measure of adequate coverage is of critical importance as the nature of health insurance products evolves. Changes to health coverage include more direct out-of-pocket spending by consumers and a reduction of covered benefits. This article updates and extends an earlier review of underinsurance measurement published in 1993. We present a conceptual approach to measuring underinsurance and provide a review of the empirical findings obtained from the application of these approaches. A discussion of the limitations in the selection of a measurement approach includes a review of the extant data sources used. We recommend a national effort to develop a consistent approach to monitor changes in the economic and structural dimensions of health insurance coverage with a concerted effort to define and measure underinsurance.

Original languageEnglish (US)
Pages (from-to)663-700
Number of pages38
JournalMedical Care Research and Review
Volume63
Issue number6
DOIs
StatePublished - Dec 2006

Keywords

  • Health insurance coverage
  • Health surveys
  • Underinsurance

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