Insuring America's Health: Principles and Recommendations by Institute of Medicine, Board on Health Care Services,

By Institute of Medicine, Board on Health Care Services, Committee on the Consequences of Uninsurance

In response to the Census Bureau, in 2003 greater than forty three million americans lacked medical insurance. Being uninsured is linked to a variety of antagonistic overall healthiness, social, and monetary outcomes for people and their households, for the overall healthiness care structures of their groups, and for the country as an entire. This document is the 6th and ultimate file in a sequence through the Committee at the effects of Uninsurance, meant to synthesize what's recognized approximately those outcomes and converse the level and urgency of the problem to the general public. "Insuring America's well-being" recommends rules concerning universality, continuity of assurance, affordability to members and society, and caliber of care to lead medical health insurance reform. those rules are in line with the proof reviewed within the committee's earlier 5 studies and on new analyses of earlier and current federal, kingdom, and native efforts to lessen uninsurance. The file additionally demonstrates how these rules can be utilized to evaluate coverage recommendations. The committee doesn't suggest a particular assurance procedure. particularly, it indicates how a variety of techniques may expand insurance and accomplish yes of the committee's rules.

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Uninsurance and underinsurance involve some distinctly different policy issues and the strategies for addressing them may differ. Throughout these reports, the Committee’s main focus has been on persons with no health insurance and thus no assistance in paying for health care beyond what is available through charity and safety-net arrangements. 22 INSURING AMERICA’S HEALTH A COMPARISON OF THE UNITED STATES AND OTHER DEVELOPED COUNTRIES Having insurance improves access to health services, and access to health care is associated with better health among the uninsured.

LESSONS FROM PREVIOUS REPORTS 33 coverage. S. citizens (79 percent), foreign-born, noncitizen residents are more likely than citizens to be uninsured (Hoffman and Wang, 2003). The uninsured rate declines with the length of time foreign-born persons are in the United States: 42 percent of noncitizens living in the United States for more than 5 years are uninsured, compared with 50 percent of noncitizens in the country for less than 5 years (Hoffman and Wang, 2003). How Do People Obtain and Lose Health Insurance Coverage?

The “safety net” loosely refers to health care facilities and programs that disproportionately serve needy and uninsured people. If financial access to health care services were assured, people would be able to choose among providers in their community and not be dependent upon safety-net institutions, as uninsured people are now. Also, the availability of payments from insurers could strengthen the financial stability of those providers and institutions, which are stressed by the current economy and growing demands for services (IOM, 2003a; KCMU, 2003a).

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