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Survey explores public attitude toward health insurance
Physician Practice Advisor, November 12, 2004
The 2003 Kaiser Health Insurance Survey examined people's expectations and priorities for their healthcare coverage, attitudes toward employer-sponsored insurance, and opinions about several alternative health insurance plans currently under consideration.
A large majority of non-elderly adults say that the most important reason to have insurance is to protect against high medical bills (71%) rather than to pay for everyday healthcare expenses (25%). When asked to choose the most important feature in a health plan, about a third (35%) chose cost factors.
Most people with employer-sponsored insurance would choose to keep the insurance coverage they have now, even if they have to pay more (76%) rather than switch to a more restrictive plan with fewer benefits and continue to pay their current premium (19%).
When the option of a tax credit is described, many people doubt they could find a plan to meet their families' needs with a tax credit in the amount of $1,000 for an individual or $3,000 for families. When a catastrophic-type health plan with a deductible of $2,000 for an individual or $5,000 for a family is described, large majorities of non-elderly adults say they have an unfavorable opinion of such a plan (77%), and that they would feel vulnerable to high medical bills with this type of coverage (79%).
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