Twenty percent of U.S. women (18.7 million) ages 19-64 were uninsured in 2010, up from 15 percent (12.8 million) in 2000, according to a new Commonwealth Fund report on women's health care. An additional 16.7 million women were underinsured in 2010, compared with 10.3 million in 2003.
The report estimates that once fully implemented, the Affordable Care Act will cover nearly all women, reducing the uninsured rate among women from 20 percent to 8 percent.
"Women, particularly those in their childbearing years, are uniquely at risk for being unable to afford the care they need, having trouble with medical bills, and having high out-of-pocket costs," said Commonwealth Fund Vice President and report co-author Sara Collins. "The Affordable Care Act will ensure that U.S. women have affordable, comprehensive health insurance that covers the services they need, including maternity care. And women will no longer have to worry about being denied coverage for a preexisting condition or that they will have to pay higher premiums because of their gender or health."
In Oceans Apart: The Higher Health Costs of Women in the U.S. Compared to Other Nations, and How Reform Is Helping, Commonwealth Fund researchers examine differences in how women fare in the U.S. compared to women in 10 other countries—Australia, Canada, France, Germany, the Netherlands, New Zealand, Norway, Sweden, Switzerland, and the U.K.—all of which have universal health insurance coverage. The report finds that while uninsured women in the U.S. were most likely to face problems with medical bills and getting needed health care, even insured U.S. women were more likely to face these problems compared to women in other countries.
Women in the U.S. said they have problems paying medical bills at double the rate of women in any of the other countries. One-fourth (26%) of women in the U.S. ages 19 – 64 had medical bill problems, compared to 13% in Australia, 12% in France, and 4 % in Germany.
About two of five (39%) women in the U.S. spent $1,000 or more on out-of-pocket medical costs over 2009-2010, compared to one-fourth (24%) in Switzerland, 1 percent in Sweden, and 0 percent in the U.K.
More than two of five (43%) women in the U.S. said that over 2009-2010 they went without recommended care, skipped seeing a doctor when they were sick, or failed to fill prescriptions because of cost, compared to 28 percent in Germany and Australia, 8 percent in the Netherlands, and 7 percent in the U.K.
Half (52%) of women in the U.S. said they were confident that they would be able to afford the health care they need if they became seriously ill. In contrast, nearly all women in the U.K. (91%) and three-fourths (77%) in the Netherlands and Switzerland (76%) were confident they could afford needed care.Uninsured U.S. Women Struggle Most
In 2011, an estimated 20.4 million women benefitted from provisions requiring all private insurance plans in existence when the law passed in March 2010 to provide preventive services like screening for cervical, breast, and colon cancer, cholesterol checks, and osteoporosis and chlamydia screening without cost sharing.
Beginning in August 2012, private insurance plans will cover an additional set of preventive services tailored specifically for women, including family planning services, without cost sharing.
According to a recent Commonwealth Fund survey, in 2011 an estimated 3.1 million young women stayed on or joined their parents' health plans likely because of The Affordable Care Act provision requiring insurers that offer dependent coverage to let young adults enroll in their parents' health insurance until they are 26.
The U.S. Department of Health and Human Services has estimated that 39.5 million women no longer have lifetime limits on what their health insurance plans cover because of the Affordable Care Act provision requiring insurers to remove them.
Preexisting Condition Insurance Plans are available in all 50 states for people with health problems who have been uninsured for at least six months. Nearly 62,000 people have enrolled in the plans, more than half of whom are women.
The Medicaid program now covers more services for women including smoking cessation support for pregnant women and care from free standing birth centers.Moving Forward
The report finds that women will also benefit from provisions in the law that will prevent insurers from charging women higher premiums because of their gender or health. More affordable reproductive and preventive health care and a strengthening of primary care services will also benefit women.
The report's authors note that continued implementation of the Affordable Care Act reforms will be essential to ensuring the future affordability of health care for women and households. "We are on the cusp of a remarkable feat—providing comprehensive, affordable health insurance to almost all American women," said Commonwealth Fund President Karen Davis. "It is crucial that states actively work to implement the reform law and take full advantage of all the benefits the Affordable Care Act stands to offer to their residents so that all American families are able to benefit from the law's potential."
The report will be available on the Commonwealth Fund Web site on July13.Methodology
The Commonwealth Fund is a private foundation supporting independent research on health policy reform and a high performance health system.
Mary Mahon | EurekAlert!
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