The purpose of this study was to identify whether and to what extent there are rural-urban differences in underinsured rates among the privately insured, and, where differences exist, to understand what characteristics of rural residents are related to their likelihood of being underinsured. Using the 2001 and 2001 Medical Expenditure Panel Survey (MEPS), the authors examined the annual out-of-pocket health care expenditures for U.S. residents under age 65 that were continuously insured by a private plan in either 2001 or 2002.<p></p>Findings showed that, despite having private health insurance coverage, those who use medical services continue to pay for a substantial portion of their own health care costs, particularly those living in rural areas. The average rural non-adjacent individual paid for 39% of their care in 2001 or 2002, compared to 35% for rural adjacent and 32% for urban individuals. Additional findings showed that one out of eight non-adjacent residents is underinsured (12.4%), compared to 10% of rural adjacent and 7% of urban residents.
Cutler Institute for Health and Social Policy
Rural Residents More Likely to be Underinsured (Policy Brief)
Connect with Cutler
What makes the Cutler Institute unique? We are committed to our clients and partners and work closely with you to examine the root of an issue and provide sustainable solutions. Learn more about our work and services, and connect with our team of experts.
Policy Brief on Federal Health Care Reform
In this policy brief, Dr. Andrew Coburn of the Muskie School discusses three of the main components of the Patient Protection and Affordable Care Act (ACA): health insurance coverage, delivery system improvement, and cost containment, highlighting some of the provisions of the law that have already been implemented and those where important implementation decisions will have to be made.Learn More