The two items that I put in bold below highlight why having a public option is such a critical component. The issue is that the free market is not offering consumers a wide array of marketplace choices; two companies basically control the insurance market in PA. Instituting a public option that would be available everywhere would break that stranglehold and lead to real choice and competition.)
-JG)
PENNSYLVANIANS CAN’T AFFORD THE STATUS QUO
- Roughly 7.9 million people in Pennsylvania get health insurance on the job[1], where family premiums average $13,646, about the annual earning of a full-time minimum wage job.[2]
- Since 2000 alone, average family premiums have increased by 103 percent in Pennsylvania.[3]
- Household budgets are strained by high costs: 19 percent of middle-income Pennsylvania families spend more than 10 percent of their income on health care.[4]
- High costs block access to care: 10 percent of people in Pennsylvania report not visiting a doctor due to high costs.[5]
- Pennsylvania businesses and families shoulder a hidden health tax of roughly $900 per year on premiums as a direct result of subsidizing the costs of the uninsured.[6]
AFFORDABLE HEALTH COVERAGE IS INCREASINGLY OUT OF REACH IN PENNSYLVANIA
- 10 percent of people in Pennsylvania are uninsured, and 65 percent of them are in families with at least one full-time worker.[7]
- The percent of Pennsylvanians with employer coverage is declining: from 71 to 64 percent between 2000 and 2007.[8]
- Much of the decline is among workers in small businesses. While small businesses make up 71 percent of Pennsylvania businesses[9], only 51 percent of them offered health coverage benefits in 2006 -- down 7 percent since 2000.[10]
- Choice of health insurance is limited in Pennsylvania. Highmark and Independence Blue Cross alone constitute 72 percent of the health insurance market share in Pennsylvania.[11]
- Choice is even more limited for people with pre-existing conditions. In Pennsylvania, premiums can vary based on demographic factors and health status, and coverage can exclude pre-existing conditions or even be denied completely.
PENNSYLVANIANS NEED HIGHER QUALITY, GREATER VALUE, AND MORE PREVENTATIVE CARE
- The overall quality of care in Pennsylvania is rated as “Average.”[12]
- Preventative measures that could keep Pennsylvanians healthier and out of the hospital are deficient, leading to problems across the age spectrum: 15 percent of children in Pennsylvania are obese[13], 21% of women over the age of 50 in Pennsylvania have not received a mammogram in the past two years, 37% of men over the age of 50 in Pennsylvania have never had a colorectal cancer screening.[14]
The need for reform in Pennsylvania and across the country is clear. Pennsylvania families simply can’t afford the status quo and deserve better.
References:
- U.S. Census Bureau, Current Population Survey. HIA-4 Health Insurance Coverage Status and Type of Coverage by State--All Persons: 1999 to 2007, 2007.
- Center for Financing, Access and Cost Trends, AHRQ, Medical Expenditure Panel Survey - Insurance Component, 2006, Table X.D.Projected 2009 premiums based on Centers for Medicare and Medicaid Services, "National Health Expenditure Data," available at http://www.cms.hhs.gov/nationalhealthexpenddata/.
- Center for Financing, Access and Cost Trends, AHRQ, Medical Expenditure Panel Survey - Insurance Component, 2000, Table II.D.1.Center for Financing, Access and Cost Trends, AHRQ, Medical Expenditure Panel Survey - Insurance Component, 2006, Table X.D.Projected 2009 premiums based on Centers for Medicare and Medicaid Services, "National Health Expenditure Data," available at http://www.cms.hhs.gov/nationalhealthexpenddata/.
- Center for Financing, Access and Cost Trends, Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey, 2006.
- Behavioral Risk Factor Surveillance System Survey Data. Atlanta, Georgia: U.S. Department of Health and Human Services, Centers for Disease Control and Prevention, 2007.
- Furnas, B., Harbage, P. (2009). "The Cost Shift from the Uninsured." Center for American Progress.
- U.S. Census Bureau, Current Population Survey. Annual Social and Economic Supplements, March 2007 and 2008.
- U.S. Census Bureau, Current Population Survey. HIA-4 Health Insurance Coverage Status and Type of Coverage by State--All Persons: 1999 to 2007, 2007.
- Center for Financing, Access and Cost Trends, AHRQ, Medical Expenditure Panel Survey - Insurance Component, 2006, Table II.A.1a.
- Center for Financing, Access and Cost Trends, AHRQ, Medical Expenditure Panel Survey - Insurance Component, 2001, 2006, Table II.A.2.
- Health Care for America Now. (2009). "Premiums Soaring in Consolidated Health Insurance Market." Health Care for America Now.
- Agency for Health Care Research and Quality. 2007 State Snapshots. Available http://statesnapshots.ahrq.gov/snaps07/index.jsp.
- Child and Adolescent Health Measurement Initiative. 2007 National Survey of Children's Health, Data Resource Center for Child and Adolescent Health.
- Behavioral Risk Factor Surveillance System Survey Data. Atlanta, Georgia: U.S. Department of Health and Human Services, Centers for Disease Control and Prevention, 2007.