2022年10月31日

担心保险不保…纽约，2022年10月31日/美通社/——自《合理医疗费用法案》(Affordable Care Act)实施以来，拥有医疗保险的美国人数量大幅增加，但成本仍然是许多人获得所需医疗服务的一大障碍。年度Policygenius健康保险调查发现，41%的拥有健康保险的美国人逃避医疗保健，因为他们知道或担心他们的保险不包括这些费用。即使是年收入在8万美元或以上的参保美国人也是如此，37%的人表示他们因为成本问题而避免医疗。Policygenius的医疗专家迈尔斯·马(Myles Ma)说:“在大流行期间，健康一直是每个人关注的首要问题，令人沮丧的是，人们正在逃避医疗，不知道他们可以通过保险获得什么，比如免费的COVID-19检测。”“我们的调查显示，61%的参保美国人不知道他们可以通过他们的保险获得免费检测，这在大流行这么远的时候是非常令人惊讶的。”在某些情况下，美国人正在调整他们的处方以降低成本——32%的有医疗保险的美国人表示，处方的费用使他们无法服用全剂量的药物。甚至在那些表示他们为医疗保险支付了“良好的经济价值”的人中也是如此，27%的人表示价格标签使他们无法按处方服用全部剂量。然而，即使面临这些挑战，超过一半(57%)的参保美国人至少在某种程度上同意“我从我支付的医疗保险中获得了良好的经济价值”的说法。他们同意的程度取决于他们的保险范围，61%的医疗保险或医疗补助计划的人至少在一定程度上同意，相比之下，52%的团体计划和47%的个人计划来自州或联邦市场。 "The variance in value could be based on who is taking on the largest part of the cost for these plans and it makes sense that people feel they get better financial value from heavily subsidized plans," Ma said. "No matter where you get your plan, make sure you know what it includes so you can use every benefit available to you, from preventive care, like vaccines or COVID tests, to extra perks like mental health apps, gym discounts, or health savings accounts. This way, you're not only getting the maximum value out of your plan, but helping your physical and financial well being." The sixth annual Policygenius Health Insurance Survey also found that: Among insured Americans who have seen a mental health provider, almost half (47%) have had a provider decline to take their insurance. Only 8% of insured Americans are aware you can use the money in a health savings account to invest in the stock market. There's still general confusion on basic health insurance terms, with only 65% of insured people able to correctly define "deductible" (the amount you pay for health care before your insurance starts to pay). AD AD Policygenius commissioned YouGov to poll 2,371 Americans 18 or older, of whom 2,008 confirmed having health insurance at the time of the survey. The survey was carried out online from Sept. 26 through Sept. 28, 2022. Of the 2,371 respondents, 31% had group plans through their employers or membership organizations; 8% had an individual plan through the federal or state marketplaces; 39% had Medicaid and/or Medicare; 6% had either COBRA, a short-term health plan, or TRICARE; and 15% either didn't know whether they had health insurance or didn't have health insurance (these respondents were filtered out for the remaining questions). The results have been weighted to be representative of all U.S. adults. The average margin of error was +/- 3%. You can see more data and the full methodology in the Policygenius 2022 Health Insurance Survey . About Policygenius Policygenius transforms the insurance journey for today's consumer, providing a one-stop platform where customers can compare options from top insurance carriers, get unbiased expert advice, buy policies, and manage their insurance portfolio, in one seamless, integrated experience. Our proprietary technology platform integrates with the leading life, disability, and home and auto insurance carriers and delivers an exceptional digital experience for both consumers and insurance carriers. Since 2014, our content, digital tools, and experts have served as a resource for millions of people on their insurance journey, and we have sold more than $170 billion in coverage. To receive Policygenius announcements, email press@policygenius.com . For more information: