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Вот кейс-стади из комментариев. Газета Правда пишет:
Families USA is one of a number of groups trying to estimate the number of people who have lost insurance during the pandemic; definitive data will not become available until mid- to late 2021, when the federal government publishes health insurance estimates for 2020. The analyses vary, but all reach the same grim conclusion: More people lack insurance than ever before.
The nonpartisan Kaiser Family Foundation has estimated that 27 million Americans have lost coverage in the pandemic; that study took into account family members of the insured.
27 миллионов без страховки! Страшное дело, да? Но давайте кликнем по ссылочке и прочтём:
We estimate that, as of May 2nd, 2020, nearly 27 million people could potentially lose ESI and become uninsured following job loss (Figure 1). This total includes people who lost their own ESI and those who lost dependent coverage when a family member lost a job and ESI.
Пока всё правильно. Газета Правда предупредила нас о реальной проблеме! Но погодите, там ещё текст! Давайте читать и его:
Among people who become uninsured after job loss, we estimate that nearly half (12.7 million) are eligible for Medicaid, and an additional 8.4 million are eligible for marketplace subsidies, as of May 2020 (Figure 2). In total, 79% of those losing ESI and becoming uninsured are eligible for publicly-subsidized coverage in May. Approximately 5.7 million people who lose ESI due to job loss are not eligible for subsidized coverage, including almost 150,000 people who fall into the coverage gap, 3.7 million people ineligible due to family income being above eligibility limits, 1.3 million people who we estimate have an affordable offer of ESI through another working family member, and about 530,000 people who do not meet citizenship or immigration requirements.
We project that very few people fall into the coverage gap immediately after job loss (as of May 2020) because wages before job loss plus unemployment benefits (including the temporary $600 per week federal supplement added by Congress) push annual income for many unemployed workers in non-expansion states above the poverty level, making them eligibility for ACA marketplace subsidies for the rest of the calendar year.
Таким образом, исключая нелегалов, только 150 тысяч рискуют реально остаться без страховки и средств её приобрести, причём даже у этих людей проблемы начинаются далеко не сразу, и только если они не найдут работу до конца года. 27 миллионов без страховки оказались преувеличенными как минимум в 180 раз. Бывает, когда читаешь газету Правда, а на ссылки не кликаешь. Этого делать ни в коем случае не следует - надо либо не делать ни того, ни другого, либо делать и то, и другое.
Families USA is one of a number of groups trying to estimate the number of people who have lost insurance during the pandemic; definitive data will not become available until mid- to late 2021, when the federal government publishes health insurance estimates for 2020. The analyses vary, but all reach the same grim conclusion: More people lack insurance than ever before.
The nonpartisan Kaiser Family Foundation has estimated that 27 million Americans have lost coverage in the pandemic; that study took into account family members of the insured.
27 миллионов без страховки! Страшное дело, да? Но давайте кликнем по ссылочке и прочтём:
We estimate that, as of May 2nd, 2020, nearly 27 million people could potentially lose ESI and become uninsured following job loss (Figure 1). This total includes people who lost their own ESI and those who lost dependent coverage when a family member lost a job and ESI.
Пока всё правильно. Газета Правда предупредила нас о реальной проблеме! Но погодите, там ещё текст! Давайте читать и его:
Among people who become uninsured after job loss, we estimate that nearly half (12.7 million) are eligible for Medicaid, and an additional 8.4 million are eligible for marketplace subsidies, as of May 2020 (Figure 2). In total, 79% of those losing ESI and becoming uninsured are eligible for publicly-subsidized coverage in May. Approximately 5.7 million people who lose ESI due to job loss are not eligible for subsidized coverage, including almost 150,000 people who fall into the coverage gap, 3.7 million people ineligible due to family income being above eligibility limits, 1.3 million people who we estimate have an affordable offer of ESI through another working family member, and about 530,000 people who do not meet citizenship or immigration requirements.
We project that very few people fall into the coverage gap immediately after job loss (as of May 2020) because wages before job loss plus unemployment benefits (including the temporary $600 per week federal supplement added by Congress) push annual income for many unemployed workers in non-expansion states above the poverty level, making them eligibility for ACA marketplace subsidies for the rest of the calendar year.
Таким образом, исключая нелегалов, только 150 тысяч рискуют реально остаться без страховки и средств её приобрести, причём даже у этих людей проблемы начинаются далеко не сразу, и только если они не найдут работу до конца года. 27 миллионов без страховки оказались преувеличенными как минимум в 180 раз. Бывает, когда читаешь газету Правда, а на ссылки не кликаешь. Этого делать ни в коем случае не следует - надо либо не делать ни того, ни другого, либо делать и то, и другое.
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Но вообще этот заголовок можно переписать так: "Благодаря гос. программам, включая Обамакер, мед. страховку потеряют только 150,000 человек."
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вся кайзеровская методология - ошибочная. если некто перешёл с PPO BCBS за $40 в месяц (остальное платила компания) на обамакер HMO Platinum level за $700, неважно, что он «не потерял» страховку - он, на практике, потерял квалифицированную медпомощь и свою способность за неё платить.
то, за что не надо платить - погана рыбка с получающейся поганой юшкой. и кстати, медикейд дают по принципу низкого дохода, т.е. это тот же обамакер. врачи не принимают пациентов с ними с обоими.*
и кстати, фактически, те кто на medicare, are eligible for medicaid, too:
Some individuals are exempt from the MAGI-based income counting rules, including those whose eligibility is based on blindness, disability, or age (65 and older). Medicaid eligibility for individuals 65 and older or who have blindness or a disability is generally determined using the income methodologies of the SSI program administered by the Social Security Administration (some states, known as 209(b) states, use certain more restrictive eligibility criteria than SSI, but still largely apply SSI methodologies). Eligibility for the Medicare Savings Programs, through which Medicaid pays Medicare premiums, deductibles, and/or coinsurance costs for beneficiaries eligible for both programs (often referred to as dual eligibles) is determined using SSI methodologies..
PS
* проглядев статью об eligibility for medicaid: они её основывают на низком доходе, а откуда знают - из taxes! только налоги-то заплачены за прошлый год, когда у людей была работа и приличный доход, т.е. те, кто безработный в этом году автоматически под медикейд не подпадает ещё как мин. на полгода. так что даже их, кайзеровские, сведения про мефикейд - полное фуфло