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Impact of High Medical Cost Burdens on Communities

Analysis of the correlation between high medical cost burdens, uninsured rates, and underinsured populations in communities. Examines the relationship between employer-sponsored insurance, low-wage jobs, public coverage, and out-of-pocket healthcare expenses. Data sourced from the 2003 Community Tracking Study Household Survey.

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Impact of High Medical Cost Burdens on Communities

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  1. Figure 1. Communities that have the highest medical cost burdens have high uninsured rates as well as large numbersof insured residents with high medical costs. * * * Difference with high-burden communities is statistically significant at the .05 confidence level. ** Underinsured is defined as having some type of insurance but still incurring out-of-pocket expendituresexceeding 5% of family income for individuals with incomes below 200% of the federal poverty level andgreater than 10% of family income for those at or above 200% of poverty. Source: 2003 Community Tracking Study Household Survey.

  2. Figure 2. Rates of employer-sponsored insurance coverageare considerably lower in communities where medical cost burdens are high. * * Difference with high-burden communities is statistically significant at the .05 confidence level. Source: 2003 Community Tracking Study Household Survey.

  3. Figure 3. Compared with workers in communities where medical cost burdens are low, workers in high-burden communities are twice as likely to have low-wage jobs. * * * Difference with high-burden communities is statistically significant at the .05 confidence level. Source: 2003 Community Tracking Study Household Survey.

  4. Figure 4. High uninsured rates in communities with high medical cost burdens often reflect lower levels of public coverage for low-income people. Coverage among nonelderly low-income people (<200% of poverty level) * * * Difference with high-burden communities is statistically significant at the .05 confidence level. Source: 2003 Community Tracking Study Household Survey.

  5. Figure 5. In communities where medical cost burdensare high, the proportion of residents who are low-incomeis more than twice that of low-burden communities. * * Difference with high-burden communities is statistically significant at the .05 confidence level. Source: 2003 Community Tracking Study Household Survey.

  6. Figure 6. In communities where cost burdens are high,insured people, regardless of income, are more likelyto have high out-of-pocket and premium costs. Percent insured with high costs relative to income * * * * Difference with high-burden communities is statistically significant at the .05 confidence level. Source: 2003 Community Tracking Study Household Survey.

  7. Figure 7. Among the privately insured, out-of-pocket health spending is about one-quarter higher in communities where medical cost burdens are high. Average annual out-of-pocket expensesfor services among privately insured * * Difference with high-burden communities is statistically significant at the .05 confidence level. Source: 2003 Community Tracking Study Household Survey.

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