Does high-risk pool coverage meet the needs of people at risk for disability?
State high-risk insurance pools serve people denied coverage because of pre-existing conditions. With benefit plans modeled on the individual market, these pools generally require higher out-of-pocket expenditures and provide fewer benefits than employer-sponsored plans, while their beneficiaries have very intensive needs. We profile 416 working adults enrolled in a state high-risk pool and document their health conditions and health care utilization. High-risk pool and federal employee benefits are compared to assess insurance structure and implications for health and disability outcomes.
Hall
Jean P
JP
University of Kansas, Lawrence, KS 66045-3101, USA. jhall@ku.edu
Moore
Janice M
JM
D000293:Adolescent; D000328:Adult; D006233:Persons with Disabilities / Q000706:statistics & numerical data*; D005260:Female; D006296:Health Services / Q000706:statistics & numerical data*; D006297:Health Services Accessibility / Q000458:organization & administration / Q000706:statistics & numerical data; D006302:Health Services Research; D006304:Health Status; D006801:Humans; D007345:Insurance Claim Review; D015271:Insurance Pools / Q000458:organization & administration / Q000706:statistics & numerical data*; D008297:Male; D017057:Medically Uninsured / Q000706:statistics & numerical data; D008875:Middle Aged; D012307:Risk Factors; D012959:Socioeconomic Factors; D055815:Young Adult