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米国における自己負担の医療費

Out-of-Pocket Healthcare Expenditures in the United States

発行 Kalorama Information 商品コード 238128
出版日 ページ情報 英文 51 Pages
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米国における自己負担の医療費 Out-of-Pocket Healthcare Expenditures in the United States
出版日: 2017年04月17日 ページ情報: 英文 51 Pages
概要

米国消費者の医療関連の製品・サービスに対する自己負担額は拡大を続けており、この支払額は消費者所得の中でも大きな部分を占めると推計されています。医療費の自己負担額が上がっているため、最高の医療保険制度に入っている消費者は優れた治療を受け続けることができますが、そうでない消費者は良い治療が受けられないこともあります。米国消費者の医療関連自己負担額は、1980年の250ドルから毎年増加し続け、2016年には1,400ドル以上の規模に至っています。

当レポートでは、米国消費者による医療関連製品・サービスに対する自己負担支払額について調査し、自己負担する医療関連支出のタイプ、支払い方法の種類と概要、自己負担額の多い消費者のプロファイル、自己負担額拡大の促進要因・抑制要因、支出額の推移と予測などをまとめています。

第1章 エグゼクティブサマリー

第2章 イントロダクション

  • 支出のタイプ
    • 保険の自己負担固定額 (Co-Payment)
    • 直接支払い
    • 保険料およびプラン費用
  • 支払い方法
    • 現金・小切手
    • クレジットカード
    • ローン・クレジットライン
    • フレキシブル支出口座
    • 医療貯蓄口座
  • 融資額
    • 非選択的処置・処方薬
  • 自己負担する消費者
    • 無保険者/過小保険者
    • メディケイド受給者
    • 身体障害者
    • 高齢者
    • 精神障害者
    • 肥満者
    • アルコール/薬物依存症患者
    • 慢性疾患患者

第3章 市場分析

  • 動向
  • 自己負担額の拡大要因
  • 自己負担額の拡大抑制要因
  • 予測
  • タイプ別支出額
    • 支払い方法
    • 融資額
    • 融資対象の費用のタイプ
    • 自己負担する消費者

図表

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目次
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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