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市場調查報告書

美國的自我付擔醫藥費

Out-of-Pocket Healthcare Expenditures in the United States

出版商 Kalorama Information 商品編碼 238128
出版日期 內容資訊 英文 51 Pages
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美國的自我付擔醫藥費 Out-of-Pocket Healthcare Expenditures in the United States
出版日期: 2017年04月17日 內容資訊: 英文 51 Pages
簡介

美國消費者醫療相關產品、服務的自付額持續擴大、支付金額將佔據消費者所得的絕大部分。醫藥費自付額提高、可讓加保最高級醫療保險制度的消費者持續受到治療、但除此之外的消費者不一定會有良好的治療。美國消費者醫療相關自付額、1980年開始每年持續增加250美元、2016年達1,400美元以上規模。

本報告針對美國消費者醫療相關產品、服務自付金額調查、提供自付的醫療相關支出種類、支付方法種類與概要、自付金額多的消費者背景、促進自付額擴大的原因、阻礙原因、支出額變化與預測。

第1章 摘要整理

第2章 介紹

  • 支出種類
    • 保險自付固定額 (Co-Payment)
    • 直接支付
    • 保險費與計畫費用
  • 支付方法
    • 現金、支票
    • 信用卡
    • 貸款、信用額度
    • 彈性支出帳戶
    • 醫療儲蓄帳戶
  • 融資金額
    • 非選項的處理、處方藥
  • 自付消費者
    • 無保險者/過小保險者
    • 領取醫療補助者
    • 殘障人士
    • 高齡者
    • 精神障礙人士
    • 過胖人士
    • 酒精/藥物依存症患者
    • 慢性疾病患者

第3章 市場分析

  • 動向
  • 自付額擴大因素
  • 自付額擴大控制因素
  • 預測
  • 種類分類支出金額
    • 支付方法
    • 融資金額
    • 融資對像費用種類
    • 自付消費者

圖表

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目錄
Product Code: KLI15319908

Out-of-pocket expenditures for healthcare products and services in the United States have risen in 2017 to the point that these represent a significant portion of consumers' incomes. As these out-of-pocket healthcare costs have gone up, consumers in the best healthcare plans continue to receive excellent care, but those in less comprehensive plans often do not. Consumers' out-of-pocket healthcare costs have risen from $250 per year in 1980 to over $1,400 in 2016. Out-of-Pocket Healthcare Expenditures in the United States examines the market for consumers' out-of-pocket medical costs, including the following data:

  • Consumer Out-of-Pocket Healthcare Expenditures by Payment Type, 2016
  • Average Share Paid Out-of-Pocket by U.S. Residents with Healthcare Spending by Type of Service, 2016
  • Average Share Paid Out-of-Pocket by U.S. Residents with Healthcare Spending by Percentile of Total Health Spending and Type of Service, 2016
  • Consumer Out-of-Pocket Expenditures per Worker, 2011-2021
  • Consumer Out-of-Pocket Expenditures by Type, 2011-2021
  • Proportion of Consumer Out-of-Pocket Spending by Type of Healthcare Expenditure, 2011, 2016, 2021
  • Amount of Consumer Out-of-Pocket Expenditures That Are Financed, 2011-2021
  • Distribution of Out-of-Pocket Spending for the Average Person, 2016, 2021
  • Proportion of Consumer Out-of-Pocket Spending for Non-Elective Procedures That Is Financed (All Methods), 2016 - 2021
  • Size of High Risk Groups for High Out-of-Pocket Healthcare Expenditures, 2011-2021

Consumers in the United States utilize a variety of methods to pay for healthcare products and services. The report discusses the amount of spending by payment types, the following being the key payment methods utilized:

  • Cash or Check
  • Credit Cards
  • Loans and Lines Of Credit
  • Flexible Spending Accounts
  • Health Savings Accounts

Prescription medications represent the single largest out-of-pocket healthcare expenditure for the average person. The report notes drug cost coverage by payor type (public, private, cash) for 1965, 1986, 2000, 2005, 2010, and 2016. Further, the report discusses the contribution of office-based procedures, which include examinations and vaccinations, and hospital stays to the overall level of a person's healthcare expenditures.

Out-of-Pocket Healthcare Expenditures in the United States concludes that, through 2021, out-of-pocket expenditures for healthcare products and services in the United States will continue to rise. In addition to demographic trends - such as lack of comprehensive healthcare insurance, disability, age, mental illness, obesity, drug and/or alcohol addiction and chronic medical conditions - which combined affect the majority of the U.S. population, two key factors are expected to support the growth of out-of-pocket consumer expenditures over the next five years: ongoing healthcare cost inflation and managed care cost shifting.

Table of Contents

1: EXECUTIVE SUMMARY

  • OVERVIEW
  • PAYMENT METHODS
  • PRESCRIPTION MEDICATIONS
  • FORECAST
  • Table 1-1: Consumer Out-of-Pocket Expenditures per Worker, 2016 and 2021

2: INTRODUCTION: OUT-OF-POCKET EXPENDITURES, THE MARKET IN 2017

  • TYPES OF EXPENDITURES
  • Insurance Co-Payments
  • Direct Payments
  • Premiums and Plan Fees
  • PAYMENT METHODS
  • Figure 2-1: Consumer Out-of-Pocket Healthcare Expenditures by Payment Type, 2016
  • Cash or Check
  • Credit Cards
  • Loans and Lines of Credit
  • Flexible Spending Accounts
  • Health Savings Accounts
  • AMOUNT FINANCED
  • Non-Elective Procedures and Prescription Drugs
  • Figure 2-2: Average Share Paid Out-of-Pocket by U.S. Residents with Healthcare Spending by Type of Service, 2016
  • Figure 2-3: Average Share Paid Out-of-Pocket by U.S. Residents with Healthcare Spending by Percentile of Total Health Spending and Type of Service, 2016
  • Figure 2-4: Distribution of Out-of-Pocket Healthcare Spending for the Average Person, 2016
  • Figure 2-5: Distribution of Out-of-Pocket Spending for the Average Person, by Spending Level, 2016
  • Figure 2-6: Drug Cost Coverage by Payor Type (Public, Private, Cash): 1965, 1986, 2000, 2005, 2010, 2016
  • CONSUMERS WHO PAY OUT-OF-POCKET
  • The Uninsured and Underinsured
  • Medicaid Recipients
  • The Disabled
  • Senior Citizens
  • The Mentally Ill
  • The Obese
  • Table 2-1: Obesity in the United States, 1980 - 2021
  • Persons with Alcohol and Drug Addictions
  • Figure 2-7: National Overdose Deaths from Prescription Drugs, 2001 - 2014
  • Figure 2-8: National Overdose Number of Deaths from Heroin, 2001 - 2014
  • Persons with Chronic Conditions
  • Figure 2-9: Type of Insurance Coverage for Adults between the Ages of 18 and 65 with Chronic Conditions, 2016

3: MARKET ANALYSIS: GROWTH FROM 2016 - 2021

  • TRENDS
  • Out-of-Pocket Expenditure Growth Drivers
  • Out-of-Pocket Expenditure Growth Constraints
  • FORECASTS
  • Table 3-1: Consumer Out-of-Pocket Expenditures per Worker, 2011-2021
  • Expenditures by Type
  • Table 3-2: Consumer Out-of-Pocket Expenditures by Type, 2011-2021
  • Figure 3-1: Proportion of Consumer Out-of-Pocket Spending by Type of Healthcare Expenditure, 2011, 2016, 2021
  • Payment Methods
  • Table 3-3: Consumer Out-of-Pocket Expenditures by Type, 2011-2021
  • Figure 3-2: Proportion of Consumer Out-of-Pocket Spending by Payment Type, 2011, 2016, 2021
  • Amount Financed
  • Table 3-4: Amount of Consumer Out-of-Pocket Expenditures That Are Financed, 2011-2021
  • Types of Expenses Financed
  • Figure 3-3: Distribution of Out-of-Pocket Spending for the Average Person, 2016, 2021
  • Figure 3-4: Proportion of Consumer Out-of-Pocket Spending for Non-Elective Procedures That Is Financed (All Methods), 2016 - 2021
  • Consumers Who Pay Out-of-Pocket
  • Table 3-5: Size of High Risk Groups for High Out-of-Pocket Healthcare Expenditures, 2011-2021 (Millions of Persons)
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