2005: A record 47 million in U.S. have no health insurance

2005: A record 47 million in U.S. have no health insurance

Settembre 3rd, 2006

 

 

August 2006: United States, Income, Poverty, and Health Insurance Coverage report. Data collected for the 2005 year.  

 

 

2005_POPULATION REPORT_UNINSURED RATE & HEALTH INSURANCE COVERAGE IN THE US_1

2005_POPULATION REPORT_UNINSURED RATE & HEALTH INSURANCE COVERAGE IN THE US_2 

2005_POPULATION REPORT_POVERTY RATE_1

2005_POPULATION REPORT_INCOME_MEDIAN HOUSEHOLD INCOME_1

A record 47 million in U.S. have no health insurance,  the poverty rate stabilized at 12.6 percent, and the real median income of households rose for the 2nd time since 1999  up +1.1 percent to $46,326 the Census Bureau reported.

 

 

 

a)  The Uninsured People: The number of people living in the United States without medical insurance rose +2.9 percent to a record 46.577 million in 2005,  one in six Americans did not have medical benefits, the proportion rose to 15.9 percent of the population 293.877 million ,  up from 45.306 million people rose to 15.6 percent of the population in 2004.

 

 

  • The rise in uninsured happened as the medical expenses rose +9.6 percent three times as fast as wages rose +3.2 percent last year, (The average expense of providing medical care for a family of 4 people rose +9.6 percent to $13,382 this year, and The cost of insurance bought through an employer increased 9.2 percent in 2005) contributing to the fifth straight increase in the number who lack health benefits.

  • The total  Uninsured People has climbed every year since President Bush took office, We’ve had absolutely no federal effort or interest in insuring the uninsured since 2000,” “This has not been a priority of the Bush administration. The historical record is marked by a 12-year period from 1987 to 1998 when the uninsured rate (12.9 percent in 1987) either increased or was not statistically different from one year to the next  figure. After peaking at 16.3 percent in 1998, the rate fell for 2 years in a row to 14.2 percent in 2000. The rate then increased until 2003–2004, where it remained at.

  • The number with health insurance (Private more Government Insurance) rose by +1.4 million to 247.3 million l’84.1% of the population 293.877 million from 245.9 million in 2004.  The likelihood of being covered by health insurance rises with income. In 2005, in households with annual incomes of less than $25,000, 75.6 percent of people had health insurance. Health insurance coverage rates increased with higher household income levels to 91.5 percent for those in households with incomes of $75,000 or more. 
                                      

 

 

 

 

COVERAGE BY TYPE OF HEALTH INSURANCE

 

 

 

 

The percentage of people covered by any private plan decreased between 2004 and 2005, to 67.7 percent 167.422 million   (of The number with health insurance to 247.3 million) from 68.2 percent.
The percentage of people covered by employment-based health insurance decreased between 2004 and 2005, to 59.5 percent from 59.8 percent . The percentage of people receiving health-care coverage at work was a  peak of 65 percent in 2001. As a consequence, we estimate that there are at least 5 million fewer jobs providing health insurance in 2005. Health care costs expenses for U.S. companies will rise at a slower rate +8% in 2006 than in recent years. Workers will contribute about 25 percent of total health care premiums in 2006.

  • The percentage of people covered by Direct Purchase health insurance decreased between 2004 and 2005, to 9.1 percent (8.2% ) from 9.3 percent . The number of workers (people who worked at some time during the year) with no health insurance increased to 27.3 million, from 26.5 million , while the percentage of workers who were uninsured was not statistically different at 18.7 percent.

  • Government health programs: While the number of people covered by any government health programs ( included the federal programs Medicare, Medicaid,  military health care and The State Children’s Health Insurance Program (SCHIP) and individual state health plans) insurance increased between 2004 and 2005, to 80.200 million there was no statistical difference in the percentage at 27.3 percent ( of the population 293.877 million) ( 32.3 percent of The number with health insurance to 247.3 million) from 79.4 million.

  • There was no statistical difference in the number or the percentage of people covered by Medicaid (38.1 million and 13.0 percent of the population 293.877 million ) between 2004 and 2005. There was no statistical difference in the number or the percentage of people covered by Medicare (41.770 million and 13.7 percent of the population 293.877 million ) between 2004 and 2005. There was no statistical difference in the number or the percentage of people covered by military health care ( 11.1677 million and 3.8 percent of the population 293.877 million ) between 2004 and 2005.

  • What Is Health Insurance Coverage? The Annual Social and Economic Supplement (ASEC) to the Current Population Survey (CPS) asks about health insurance coverage in the previous calendar year. The questionnaire asks separate questions about the major types of health insurance, and people who answer “no” to each of the coverage questions are then asked to verify that they were, in fact, not covered by any type of health insurance.

  • For reporting purposes, the Census Bureau broadly classifies health insurance coverage as private coverage or government coverage. Private health insurance is a plan provided through an employer or a union or purchased by an individual from a private company. Government health insurance includes the federal programs Medicare, Medicaid, and military health care; the State Children’s Health Insurance Program (SCHIP); and individual state health plans. People were considered “insured” if they were covered by any type of health insurance for part or all of the previous calendar year.

  • They were considered “uninsured” if they were not covered by any type of health insurance at any time in that year. Research shows health insurance coverage is underreported in the CPS ASEC for a variety of reasons. While annual retrospective questions appear to be less of a problem when collecting income data (possibly because the interview period is close to when people pay their taxes), it is probably less than ideal when asking about health insurance coverage. For example, some people may report their insurance coverage status at the time of their interview rather than their coverage status during the previous calendar year. Compared with other national surveys, the CPS ASEC’s estimate of the number of people without health insurance more closely approximates the number of people who were uninsured at a specific point in time during the year than the number of people uninsured for the entire year.

 

 

Sanita’ Pubblica americana: The Federal health insurance programs for the elderly Medicare, for the poor Medicaid , for the U.S. Force the military health care, and The State Children’s Health Insurance Program (SCHIP) – Welfare State The Social Security. La riforma e la rivoluzione di Bush: Recentemente Bush ha creato il medicare Advantage ancorato alla futura riforma che deve esssere completata detta  (”ownership society”) un nuovo sistema di assistenza privata verso cui dovrebbero essere drenati (confluiti) gran parte dei fondi della sanita’ pubblica. 

 

 

  • Le assicurazioni private saranno incentivate a stipulare nuovi contratti agli anziani che vogliono uscire dal sistema publico per avere migliori servizi. Ma Bush poi e’ andato oltre allargando questo metodo a tutto il sistema di sicurezza sociale consentendo ai cittadini di gestire in modo autonomo  (”ownership society”) i propri versamenti.

  • Quest sistema nuovo   e’ dettato dal fatto che il sistema pubblico sta diventando sempre piu’ costoso a causa dell’invecchiamento della popolazione. Incentivare i contribuenti a portare i propri versamenti altrove significa alleggerire il peso sulle casse dello stato. La “ownership society“, e’ una società di piccoli proprietari in grado di pagarsi da soli sia le assicurazioni sanitrie sia la contribuzione pensionistica e quindi le future pensioni, dando un colpo mortale al “social security” ultimo bastione del welfare di Franklin Delano Roosevelt.

  • Quindi con la Ownership society – assicurazioni per la salute  di Bush si ha un passaggio da un sistema semi pubblicistico, in cui i versamenti per la copertura sanitaria sono garantiti (in misura variabile da un 50% ad un 100 % per i lavoratori piu’ qualificati) dai versamenti dei contributi obbligatori societari o degli enti pubblici per i propri dipendenti, ad un sistema totalmente privato fatto con versamenti a totale carico dei lavoratori. Le conseguenze di tutto cio’:  migrazione dei contribuenti piu’ ricchi verso i sistemi privati il che’ rendera’ piu’ povera l’assistenza pubblica, con crescenti problemi di fondi; gli elettori saranno spaccati in 2 blocchi, i meno abbienti da una parte, dall’altra i privilegiati

 

 

 

Sanita’ Privata americana: The percentage of people covered by any private plan, la c.d. The Social Security benefits-recipients-employment-based. I cosiddetti piani  sanitari e  pensionistici a contribuzione definita 401 (k) offerti dalle stesse aziende al proprio personale,   basato su conti individuali a loro volta agganciati alle performance del mercato finanziario .

 

Pensioni americane: The U.S. Pension Benefit Guaranty :  august 18 2006- Il presidente degli Usa, George W. Bush, ha firmato la legge di riforma del nuovo sistema delle pensioni. Nei caratteri essenziali, la disciplina riflette l’evoluzione dei benefit per i lavoratori che lasciano il lavoro, il calo delle pensioni tradizionali e i piani definiti di risparmio accantonato in funzione della pensione da erogare. Per altro verso, le linee della riforma, fortemente contestate, porteranno grossi risparmi per la Pension Benefit Guaranty Corp, l’agenzia federale che assicura le pensioni, che ha un deficit finora di 22,8 miliardi di dollari. Per altro verso, il Pension Rights Center, associazione tra le più attive per la difesa dei diritti pensionistici, critica l’impianto perché, tra le altre cose, non fa nulla per impedire che le compagnie intervengano sulle pensioni, come nel caso dei grandi vettori Usa (a cominciare dalla United Airlines), indebolendo così il sistema.

 

A new law was needed to make it easier for people to buy health insurance by letting them shop for plans from any state, eliminating geographic limits. Some states, frustrated by the lack of federal leadership on health care, have jumped ahead and moved toward making sure all citizens have health insurance, Massachusetts , Vermont, Illinois and Rhode Island are considering these  plans. Health care is a hot election issue with surveys showing it a top domestic concern for voters. Both President George W. Bush and his Democratic rival, have plans for expanding health insurance for Americans.  Democraticis expected to outline his health-care proposal, which includes repealing some of Bush’s tax cuts for those with high incomes to fund a 10-year $650 billion plan. Details:

 

  • SPESA SANITARIA  Spending on Social Security, Medicare and Medicaid is projected to swell to 20 percent of the nation’s total economic output by 2015 ands to swell to 13 percent of the nation’s total economic output by 2030 from +16,2%  2005.

  • MEDICARE 2005 for the elderly. The Federal Health care spending is expected to rose 18.4% of the gross domestic product over the next 6 years to 2012, from +25,2% in 2005. The United States spends twice as much on health care per capita compared to other rich countries. Medicare health insurance costs will almost surely be much larger and much more difficult to address. Medicare outlays are expected to more than double to $570 billion in 2010. Raising Medicare payroll taxes would suppress economic growth and tax receipts, and likely create incentives for workers to retire early by diminishing the returns to work. Better would be policies promoting longer working life. The workers should begin to tax to finance a part of Social Security by themselves planning their retirement programs.

  • U.S. Unit labor costs index Often the cost of labor rises as health and pension plan costs, so the Unit labor costs index is of what employers-datori di lavoro- pay in wages, salaries, benefits, (in which there are also the pension plan costs) and Health insurance premiums.

  • MEDICAID  2005 for the poor La spesa sanitaria finanziato dai singoli Stati e dal governo federale nel 2005  +7,7%. Medicaid for the poor . The U.S. Medicaid program may reduce the $5.5 billion it spends annually on schizophrenia drugs for the poor after a study found a cheaper generic about as effective as new pills, including Eli Lilly & Co.’s Zyprexa.

  • Il costo per i medicinali sotto prescrizione medica, al contrario, crescerà solo dell’+8,2% nei prossimi dieci anni. Il differente trend, in questo caso, è solo legato al fatto che i medicinali di alta gamma comportano un maggiore contributo da parte dei malati, anche se in possesso di assicurazioni private.

  • Le spese ospedaliere, nel 2005, hanno registrato un incremento del +7,9%, in scia a un andamento che riporterà sostanziosi aumenti dal 2006 al 2015.  
      

 

 

 

b) The percentage of people living in poverty after 4 years of consecutive increases, the poverty rate stabilized at 12.6 percent, of the population 293.877 million , at 36,950 million, not statistically different from There were 37.040 million people in poverty (12.7 percent) up +1,1 milioni +3.0% in 2004 from 35.9 million (12.5 percent) in 2003 +1,3 milioni +4% from 2002, higher than the most recent low of 11.3 percent in 2000 and lower than the rate in 1959 (22.4 percent), the first year for which poverty estimates are available.

 

 

The average poverty threshold (soglia) for a family in 2005 for a family of 4,  was an income of $19,971; for a family of 3, $15,577; for a family of 2, $12,755; and for unrelated individuals, $9,973  ( The income deficit for families in poverty, the difference in dollars between a family’s income and its poverty threshold,  averaged $8,125 in 2005 not statistically different in real terms from 2004)  from in 2004 for a family of 4, was an income of $19,307; for a family of 3, $15,067; for a family of 2, $12,334; and for unrelated individuals, $9,645

 

 

 

 

c) The real median income of households in the United States rose for the 2nd time since 1999 – up +1.1 percent to $46,326 last year, from $45,817 in 2004, according to the bureau’s Current Population Survey

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