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Reducing the Number of Uninsured Through Education
Reducing the Number of Uninsured Through Education -- Posted by Tony Novak on 03-01-05 04:06
REDUCING THE NUMBER OF UNINSURED THROUGH EDUCATION
By Tony Novak, OnlineAdviser at MedSave.com
Late last year the federal government announced that over 11 million
Americans with a family income over $50,000 have no health insurance. This
report was based on 2004 census data. A new report issued February 28, 2005)
by the Employee Benefit Research Institute (EBRI) figure puts the number at
7.9 million. Both calculations are based on the same census data but the
EBRI concludes that some sampling error distorted the government
calculation. This figure is important because it generally represents the
group that could afford health insurance, but either chooses to be uninsured
or does not know about the affordable health insurance options that are
available. This higher income group represents about a quarter of all U.S.
individuals without health insurance. The overall number of middle-income
individuals who could afford health insurance but do not make the decision
to purchase insurance is estimated at about 20 million, or about half of all
of those without health insurance.
Other previously reported data indicates that most middle-income people in
this uninsured category are in a temporary life transition and are without
health insurance for only a short period of time. The situation may be
caused by changing jobs, graduating from school, satisfying waiting periods
on group insurance, starting a business or waiting for Medicare coverage to
begin. MedSave.com specializes in providing low cost temporary health
insurance online to the individuals in this category. MedSave.com spends a
significant part of its marketing efforts publishing educational information
to show that high quality affordable health insurance options are available
to most people through online enrollment services.
Regardless of the actual number of uninsured people in this group, most
observers agree that it would be far less expensive to educate uninsured
individuals about the options available and the risks of being uninsured
than to adapt a federal program that would require that those individuals be
covered by health insurance. This group is best served by educational
programs about health care financing options and promotion of affordable and
available health insurance plans rather than legally mandated managed health
care programs.
MedSave.com points out that about half of personal bankruptcies are
triggered by uninsured catastrophic medical claims but that most Americans
in this risk class can purchase high deductible catastrophic health
insurance for less than $100 per month that would prevent such financial
disasters.
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