Some Americans pay 10 times more out of business health care, simply because of where they live.
Experts say that a confluence of factors – fewer doctors to treat people in rural areas, more uninsured people in southern states and a high dependence on private insurance in the northeast and upper midwest – contributes to large insurance price differences County -P -County.
A radical new analysis showed that, although the health insurance policy covers the most healthcare costs, Americans spent almost half a trillion of dollars on out-of-pocket costs in 2019 to Zorgdiensten-A new record.
Provinces in Alaska, Wyoming, Montana and De Dakotas, as well as parts of New England, had the highest rates of out-of-pocket expenditure in 2019, ranging from $ 720 to $ 2,335 per person.
The analysis of researchers from the University of Washington showed that these states and New England are highly dependent on private health insurance companies to cover bills. When people ensure that their insurance covers, they are still confronted with cash costs, such as deductible, co-pays and co-insurance.
In the meantime, many provinces in the southern states, where people are more often underinsured, tend to have lower expenses, which suggests without health coverage, people can completely avoid medical care.
And in coastal areas, high editions from the pocket correspond to locations of metropolitan areas, including Boston, Washington, DC, Miami, Los Angeles and Seattle, where healthcare is usually more expensive.
In 2019, national states such as Alaska, Wyoming, Montana and De Dakotas had the highest expenses for owner, ranging from $ 720 to $ 2,335 per person. The provinces in the southern states with higher underinsurance rates, on the other hand, had lower expenditure, indicating that lack of coverage can cause people to avoid care
Researchers from the School of Medicine of the University of Washington analyzed more than 40 billion insurance claims, almost a billion facility data and research data to show how health care expenditure on 148 health problems varies between 3,110 provinces.
For people under the age of 65, about 12 percent of health care expenditure was from their own pocket by the patient, which amounts to around $ 288 billion.
More than half of healthcare was Paid by a private insurance, around 25 percent by Medicaid and seven percent by Medicare.
After the age of 65, when a person is automatically registered in Medicare (the health care program for seniors), 11.5 percent of the services were paid by the patient from their own pocket, which amounts to around $ 276 billion
More than 60 percent of the services are paid by Medicare. More than 18 percent of the services were paid by a private insurance and seven percent by Medicaid.
The biggest differences in health care expenditure in all provinces were seen in the amount that people from their own pocket paid, adapted for age.
The out-of-pocket costs that Americans pay have risen over time.
The last study did not estimate per person in 2019, but the Kaiser Family Foundation brought the total to $ 1,375 per person, an increase of $ 900 per person 30 years ago.
In addition to the protrusions of the patient, researchers have looked at how many private insurance companies, Medicare and Medicaid (the health care program for Americans with low incomes) spent on health care, from check-ups to stay in the hospital.
The latest study included more than 76 percent of all personal health care expenditure from 2010 to 2019.
The most important engine of differences in health care expenditure per province was the user percentage, or how many people use healthcare services. More doctor's visits, preventive screening and diagnostic tests mean more expenses by insurers or patients
The most important engine of differences in health care expenditure per province was the user percentage, or how many people use healthcare services.
More doctor's visits, preventive screening and diagnostic tests mean more expenses by insurers or patients.
Without insurance, the costs of essential services can be priceless. As a result, almost half of the uninsured people apart from medical care due to costs.
Dr. Joseph Dieleman, the main author of the study, said: 'If people had better insurance coverage, they would rather pursue regular health controls, which may reduce the need for emergency care.
“This change would also lead to better health results and allow emergency providers to concentrate on patients with urgent medical needs.”
The southeast and southwest usually have higher shares of uninsured population, with people in the southeast mainly dependent on the Medicaid programs of their states.
When the Affordable Care Act was known as Obamacare – signed in the law, States were allowed to expand their Medicaid programs to cover more people in a broader income range and receive more money from the federal government to do this.
Ten States – Wyoming, Texas, Kansas, Mississippi, Alabama, Georgia, South Carolina, Tennessee, Florida and Wisconsin – still have to expand Medicaid.
Southern states accounts for around 92 percent of the 2.5 million people in the Medicaid -Dekkingskloof.
The provinces with the highest age-standardized expenditure per head of 2019 were Nassau County, New York ($ 13,332), Suffolk County, New York ($ 12,689) and the District of Columbia ($ 12,534). On the other hand, the provinces with the lowest age-standardized spending per head of the population Clark County, Idaho ($ 3,410), Loving County, Texas ($ 3,923) and Kennedy County, Texas ($ 4,027)
If their state were to expand Medicaid, these people would be eligible for this. Nevertheless, they earn too little to be eligible for subsidies at the stock exchange for health insurance, so that they are financially responsible for medical care.
With matte cover, people see less chance of seeing doctors who would explain relatively low expenses per person.
In the upper midwest and the northeast, most people now trust private health insurance to cover most of their health insurance costs.
According to researchers from the University of Washington, these areas had some of the highest percentages for healthcare expenditure per capita.
Expenditure from the bag in those areas were also high, possibly due to high deductible, copayments or coin insurance percentages.
Access to care is usually better in metropolitan or sub -city centers, which increases the expenditure in those areas.
Alaska remotely and sparsely populated areas in the midwest can have fewer care providers and few options for health insurance, which can lead to high expenses for out-of-pocket.
The majority of health care expenditure by insurers, the government and individuals had diabetes, with $ 143.9 billion.
Medicaid has spent the least amount of money on healthcare services in Southeast States that have not adopted laws, access to benefits to a broader population of a low income inhabitants
This was followed by musculoskeletal disorders such as joint pain and osteoporosis ($ 108.6 billion), oral disorders ($ 93 billion) and ischemic heart disease ($ 80.7 billion).
Of the total expenditure, 42 percent went to outpatient care, 24 percent to hospitalization and 14 percent to prescription medicines.
The expenditure per province varied considerably, ranging from $ 3,410 per person in Clark County, Idaho, up to $ 13,332 per person in Nassau County, New York.
The findings of the study appeared in the Journal of the American Medical Association.
The most important differences between provinces were in the amount that people paid from their own pocket and for private insurance spending. The most important factor in these differences was how often people used health care, although costs and care intensity also played a role, except those who fall through Medicare.
