ANNEX TABLE A-3 Percentage with High Burdens for Nonelderly Health Insurance Eligibility Units, Pooled Panels 10-12 (2008 dollars)

N PREMOOPX TOTINC BURD10 BURD20
Overall
     Self-employed
2,069 3,993 76,803 20.07 7.56
(121) (1,699) (1.05) (0.67)
     Employed 15,444 2,196 50,304 16.57 7.69
(36) (680) (0.40) (0.28)
<100% Poverty
     Self-employed
213 1,562 9,803 33.24 27.26
(253) (633) (4.24) (4.12)
     Employed 3,047 822 7,097 33.20 24.34
(65) (143) (1.23) (1.06)
100-199% Poverty
     Self-employed
406 2,573 25,383 29.61 15.12
(264) (766) (2.89) (2.37)
     Employed 3,443 1,304 19,882 21.50 9.59
(49) (207) (0.91) (0.67)
200-399% Poverty
     Self-employed
606 3,574 48,923 24.95 7.03
(204) (1,051) (2.10) (1.23)
     Employed 4,584 2,295 38,909 17.91 5.74
(55) (337) (0.74) (0.41)
400%+ Poverty
     Self-employed
844 5,051 119,829 12.16 2.63
(192) (2,396) (1.18) (0.62)
     Employed 4,370 3,069 91,418 6.54 1.94
(66) (1,073) (0.38) (0.23)

NOTES: Standard errors are in parentheses. PREMOOPX includes out-of-pocket expenditures for care and insurance premiums. See Table A-3 Notes for definitions of column headings.
SOURCE: Medical Expenditure Panel Survey—Household Component, Panels 10-12.

REFERENCES

Banthin, J.S., and Bernard, D.M. (2006). Changes in financial burdens for health care: National estimates for the population younger than 65 Years, 1996 to 2003. Journal of the American Medical Association 296(22):2,712-2,719.

Banthin, J., Cunningham, P., and Bernard, D. (2008, January/February). Financial burden of health care. Health Affairs 27(1):185-195.

Bernard, D., Banthin, J., and Encinosa, W. (2009, May/June), Wealth, income and the affordability of health insurance. Health Affairs 28(3):887-896.

Schoen, C., Doty, M., Robertson, R., and Collins, S. (2011, September). Affordable Care Act reforms could reduce the number of underinsured U.S. adults by 70 percent. Health Affairs 30(9):1,762-1,771.

Selden, T.M. (2008). The effect of tax subsidies on high health care expenditure burdens in the United States. International Journal of Health Care Finance and Economics 8:209-223.

Selden, T.M., and Banthin, J.S. (2003). Health care expenditure burdens among elderly adults: 1987 and 1996. Medical Care 41(7 Supp.):iii-13–iii-23.



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