1932

Abstract

Underinsurance is most commonly defined as the state in which people with medical coverage are still exposed to financial risk. We argue that the adequacy of health insurance coverage should also be assessed in terms of the adequacy of specific benefits coverage and access to care. Underinsurance can be understood conceptually as comprising three separate domains: () the economic features of health insurance, () the benefits covered, and () access to health services. The literature provides ample evidence that people who are underinsured have high financial risk and face barriers in access to care similar to those who are completely uninsured. In response to the growing recognition of the problems associated with underinsurance, the Patient Protection and Affordable Care Act of 2010 includes numerous provisions designed to limit costs to consumers, to assure a minimum set of benefits, and to enhance access to care, especially primary care.

Loading

Article metrics loading...

/content/journals/10.1146/annurev.publhealth.012809.103655
2011-04-21
2024-06-25
Loading full text...

Full text loading...

/content/journals/10.1146/annurev.publhealth.012809.103655
Loading
/content/journals/10.1146/annurev.publhealth.012809.103655
Loading

Data & Media loading...

  • Article Type: Review Article
This is a required field
Please enter a valid email address
Approval was a Success
Invalid data
An Error Occurred
Approval was partially successful, following selected items could not be processed due to error