2009
!!"#$%&'"('"#$%&'')%*$+,-
The Top Twelve Questions About Latinos and Health Care
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QUESTION 9: What is the cost of health care received by Latinos, and who pays for it? ANSWER: !"#$%&'(#)"'(*+%+'#,)-./%"0'%*'!-+1#2-(+34'5&-(&'-2($/0"'
+#6"%782"%'+1"20-29'#20'/2(*:1"2+#%"0'(#)"3;'#)"'0-+1)*1*)<*2#%"$7' $*5")'%&#2'%&*+"'*6'2*28!-+1#2-(+=''>2-2+/)"0'?#<2*+'#)"':*)"'$-@"$7' %&#2'-2+/)"0'?#<2*+'%*'1#7'*/%'*6'1*(@"%'6*)':"0-(#$'+")A-("+3'"A"2' #:*29'$*58-2(*:"'6#:-$-"+='
Figure 1: Total U.S. Health Care Expenditures for People Age 64 and Under by Race/ Ethnicity, 2006
OVERALL HEALTH CARE EXPENDITURES
Non‐Hispanic Black 12.1% American Indian/Alaska C#<A"DE%&")'F#("' 2.8%
'''!"#$%&'(#)"'"B1"20-%/)"+'#)"'$*5")'1")'(#1-%#'6*)'!-+1#2-(+'%&#2'6*)' non‐Hispanics. !"!1(*).4*'<3#0+"3,#':+8%'.0',1)#%'()')"%Y#3K(*'?DZR[\@');'(*%'")"%18%&19'0)0.1+/)"' ?."8%&'+4%'QZ@'3"'OPPQA'(*%',)#(');'<3#0+"3,#7'*%+1(*',+&%'&%0&%#%"(%8'1%##'(*+"')"%Y (%"(*'?XR]\@');'+11'*%+1(*'%K0%"83(.&%#';)&'(*%'")"%18%&19^'?#%%'_34.&%'D@R !"`G%&+11A'+:)"4'0%)01%'+4%'Q]'+"8'9)."4%&A'(*%':%83+"'%K0%"83(.&%';)&'+11'(90%#');' *%+1(*',+&%'#%&G3,%#'$+#'a][]';)&'<3#0+"3,#A'1%##'(*+"'*+1;');'(*%':%83+"'%K0%"83(.&%' ;)&'")"Y<3#0+"3,'b*3(%#'?aDADDQ@Rc !"F3:31+&19A'(*%':%83+"'%K0%"83(.&%';)&'%18%&19'<3#0+"3,#'?+4%'QZ'+"8')18%&@'$+#'1)$%&' ?adA]eX@'(*+"'(*+(');'b*3(%#'3"'(*%'#+:%'+4%'4&).0'?a]AdZe@Rf
SOURCES OF PAYMENT FOR HEALTH CARE
Despite Hispanics’ poor access to health insurance, their health care '''(*+%+'0*'2*%'#((*/2%'6*)'%&"'./$@'*6'+#6"%782"%'1)*9)#:'+1"20-29'*)' uncompensated care cost. !"!:)"4'(*%'")"%18%&19'0)0.1+/)"A'0&3G+(%'*%+1(*'3"#.&+",%'$+#'(*%':)#(',)::)"' :%(*)8');'0+9:%"(';)&'5)(*'<3#0+"3,#'+"8'")"Y<3#0+"3,'b*3(%#R''<)$%G%&A'0&3G+(%' ,)G%&+4%'0+38'+'4&%+(%&'0&)0)&/)"');')G%&+11'*%+1(*',+&%'%K0%"#%#';)&'b*3(%#'?ZXRD\@' (*+"';)&'6+/")#'?d[R]\@Rg !"!1(*).4*'(*%':+W)&3(9');'6+/")#'+&%'3",):%Y%134351%';)&'I%83,+38'+"8'(*%'h*318&%"7#' <%+1(*'i"#.&+",%'L&)4&+:'?h<iL@A'(*%9'&%0&%#%"('+';&+,/)"');'0&)4&+:'%K0%"83(.&%' ,)#(#R''<%+1(*',+&%',)#(#';)&'")"Y<3#0+"3,'b*3(%#':+8%'.0'(*%'1+&4%#('0)&/)"'?]]RQ\@' );'()(+1'I%83,+38Vh<iL'#0%"83"4')"',*318&%"'+"8'")"%18%&19'+8.1(#'3"'OPPQA';)11)$%8'59' j1+,2#'?OQR]\@'+"8'<3#0+"3,#'?OdR]\@Rk''C*3#'3#'(*%',+#%'8%#03(%'(*%';+,('(*+('6+/")'+"8' j1+,2',*318&%"'+&%':)&%'132%19'?QPR[\'+"8'QPRD\A'&%#0%,/G%19@'(*+"'")"Y<3#0+"3,'b*3(%' ,*318&%"'?OQRO\@'()'5%'3",):%Y%134351%';)&'(*%#%'0&)4&+:#Rl !"=%,%"('%#/:+(%#'59'(*%'m%$'!:%&3,+'_)."8+/)"'#*)$'(*+('%G%"'$3(*'(*%'*34*%#('&+(%' );'."3"#.&+",%'3"'(*%',)."(&9n'+"8'+'1)$%&'3",):%'1%G%1'(*+"'")"Y<3#0+"3,'b*3(%#A' <3#0+"3,#'$%&%'&%#0)"#351%';)&')"19'O]R]\');'.",):0%"#+(%8',+&%'3"'OPP]A',):0+&%8' ()'b*3(%#'+('ZZRQ\'?#%%'C+51%'D@Rop
OUT-OF-POCKET PAYMENTS
'''?*58-2(*:"3'/2-2+/)"0'?#<2*+'#)"'$-@"$7'%*'1#7'6*)'%&"-)'&"#$%&'(#)"' '''(*+%+'*/%'*6'1*(@"%= !"`G%&+11A'")"%18%&19'6+/")#'0+38';)&':)&%'(*+"')"%Y#3K(*'?DeRQ\@');'(*%3&'*%+1(*',+&%' ,)#(#').(');'0),2%('3"'OPPQR''<)$%G%&A'(*%#%').(Y);Y0),2%(',)#(#'G+&3%8'59'3"#.&+",%' #(+(.#R''N"3"#.&%8'6+/")#'0+38':)&%'(*+"'*+1;'?Z]RD\@');'(*%3&'*%+1(*',+&%'%K0%"#%#' ).(');'0),2%('$*31%'6+/")#'$3(*'5)(*'0&3G+(%'+"8'0.513,',)G%&+4%'0+38'+':.,*'#:+11%&' +:)."('?D[RZ\'+"8'[Rd\A'&%#0%,/G%19@Roo !"N"3"#.&%8'6+/")#'13G3"4'3"'1)$Y3",):%'*).#%*)18#'0+38'+"'%G%"'*34*%&'0%&,%"(+4%' ?ZXRe\@');'(*%3&'*%+1(*',+&%',)#(#').(');'0),2%('(*+"'."3"#.&%8A':3881%Y3",):%'6+/")#' ?][Re\@Roq !"!1(*).4*'1)$Y3",):%A'."3"#.&%8'6+/")#'*+8'1)$%&'()(+1'*%+1(*',+&%'%K0%"83(.&%#'(*+"' (*%3&'3"#.&%8',)."(%&0+&(#'3"'OPPQA'(*%9'0+38 :)&%'()(+1'8)11+&#').(');'0),2%(o^'?#%%' C+51%'O@R
Non‐Hispanic White 72.5%
G+-#2DC#<A"' !#5#--#2DE%&")' H#(-I('J+$#20")' 3.2%
Hispanic 9.4%
Source:''!4%",9';)&'<%+1(*,+&%'=%#%+&,*'+"8'>.+13(9'?!<=>@A' Medical Expenditure Panel Survey'?MEPS@R'uC+51%'DE''C)(+1'<%+1(*' F%&G3,%#HI%83+"'+"8'I%+"'JK0%"#%#'0%&'L%&#)"'$3(*'JK0%"#%' +"8'M3#(&35./)"');'JK0%"#%#'59'F).&,%');'L+9:%"(E''N"3(%8' F(+(%#A'OPPQRu''C+51%'+,,%##%8'+"8',.#():3T%8'(*&).4*'*U0EVV $$$R:%0#R+*&-R4)GV:%0#$%5V3"8%KRW#0'?+,,%##%8'I+&,*'OPPX@R
Table 1: Comparison of Uncompensated Care Recipients and the Uninsured H*1/$#<*2'.7'F#("DK%&2-(-%73'LMMN O-+%)-./<*2'*6' H*1/$#<*2'%*'F"("-A"' Uncompensated Care at Some Point, 2004
O-+%)-./<*2' *6'H*1/$#<*2' Uninsured for Full Year, 2004*
Non‐Hispanic White
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Non‐Hispanic P$#(@
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Hispanic Asian
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Table 2: E/%8*68H*(@"%'!"#$%&'Q#)"'Q*+%+'6*)'?*58 J2(*:"3'C*2"$0")$7'?#<2*+'.7'J2+/)#2("' Status, 2006 Insurance Status
Total Expenses (in millions)
Percentage Paid Out *6'H*(@"%
Total Paid Out *6'H*(@"%' (in millions)
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Source:''!4%",9';)&'<%+1(*,+&%'=%#%+&,*'+"8'>.+13(9'?!<=>@A'Medical Expenditure Panel Survey'?MEPS@A'BC+51%'DE''C)(+1'<%+1(*'F%&G3,%#H I%83+"'+"8'I%+"'JK0%"#%#'0%&'L%&#)"'$3(*'JK0%"#%'+"8'M3#(&35./)"');' JK0%"#%#'59'F).&,%');'L+9:%"(E''N"3(%8'F(+(%#A'OPPQRS''C+51%'+,,%##%8' +"8',.#():3T%8'(*&).4*'*U0EVV$$$R:%0#R+*&-R4)GV:%0#$%5V3"8%KRW#0' ?+,,%##%8'I+&,*'OPPX@R
QUESTION 9: What is the cost of health care received by Latinos, and who pays for it?
2009
!!"#$%&'"('"#$%&'')%*$+,-
The Top Twelve Questions About Latinos and Health Care
!"#$%&#'()'(*%'&%#%+&,*'-.%#/)"#'(*+('0%)01%'+&%'+#23"4'+5).('6+/")#7'*%+1(*'+"8'3"(%&+,/)"#'$3(*'(*%'*%+1(*',+&%'#9#(%:
Endnotes o'C*%'(%&:#'B<3#0+"3,S'+"8'B6+/")S'+&%'.#%8'3"(%&,*+"4%+519'59'(*%'NRFR'h%"#.#'j.&%+.'+"8'(*&).4*).('(*3#' 8),.:%"('()'&%;%&'()'0%&#)"#');'I%K3,+"A'L.%&()'=3,+"A'h.5+"A'h%"(&+1'+"8'F).(*'!:%&3,+"A'M):3"3,+"A' F0+"3#*A'+"8')(*%&'<3#0+"3,'8%#,%"(t'(*%9':+9'5%');'+"9'&+,%R''_.&(*%&:)&%A'."1%##')(*%&$3#%'")(%8A' %#/:+(%#'3"'(*3#'8),.:%"('8)'")('3",1.8%'(*%'dRX':3113)"'&%#38%"(#');'L.%&()'=3,)R q'N",):0%"#+(%8',+&%'3#'*%+1(*',+&%'(*+('3#'8%13G%&%8'5.('3#'")('0+38';)&'59'(*%'0+/%"(')&'+'(*3&8Y0+&(9'0+9%&' ?#.,*'+#'+"'3"#.&%&@R ^'!4%",9';)&'<%+1(*,+&%'=%#%+&,*'+"8'>.+13(9'?!<=>@A'Medical Expenditure Panel Survey (MEPS)A'BC+51%'DE'' ''C)(+1'<%+1(*'F%&G3,%#HI%83+"'+"8'I%+"'JK0%"#%#'0%&'L%&#)"'$3(*'JK0%"#%'+"8'M3#(&35./)"');'JK0%"#%#'59' ''F).&,%');'L+9:%"(E''N"3(%8'F(+(%#A'OPPQRS''C+51%'+,,%##%8'+"8',.#():3T%8'(*&).4* *U0EVV$$$R:%0#R+*&-R ''4)GV:%0#$%5V3"8%KRW#0'?+,,%##%8'I+&,*'OPPX@R' c'i538R f'i538R g'i538R k'i538R l'mh6=',+1,.1+/)"'.#3"4'8+(+';&):'NRFR'j.&%+.');'(*%'h%"#.#A'BOPPe'!"".+1'F),3+1'+"8'J,)"):3,' '''F.001%:%"(AS'!"##$%&'()*"+,-)%'."#/$0R''h)"8.,(%8'59'(*%'j.&%+.');'(*%'h%"#.#';)&'(*%'j.&%+.');'6+5)&' '''F(+/#/,#R''b+#*3"4()"A'MhA'OPP[A'*U0EVV$$$R,%"#.#R4)GV**%#V$$$V,0#(,V,0#s(+51%s,&%+()&R*(:1' '''?+,,%##%8'I+&,*'OPPX@R n'i"'OPP]A'+5).(')"%'3"'(*&%%'?dDR[\@'<3#0+"3,#'$+#'."3"#.&%8A',):0+&%8'()'+5).(')"%'3"'(%"'?DPRZ\@' '''")"Y<3#0+"3,'b*3(%#A')"%'3"'#%G%"'?DZRO\@'!#3+"#A')"%'3"'rG%'?D[RQ\@'")"Y<3#0+"3,'j1+,2#A'+"8')"%'3"' ''';).&'!:%&3,+"'i"83+"#V!1+#2+'m+/G%#'?OQRd\@'+"8'm+/G%'<+$+33+"#V`(*%&'L+,3r,'i#1+"8%&#'?O]RD\@R''mh6=' ''',+1,.1+/)"'.#3"4'8+(+';&):'NRFR'j.&%+.');'(*%'h%"#.#A'BOPPZ'!"".+1'F),3+1'+"8'J,)"):3,'F.001%:%"(AS' !"##$%&'()*"+,-)%'."#/$0R''h)"8.,(%8'59'(*%'j.&%+.');'(*%'h%"#.#';)&'(*%'j.&%+.');'6+5)&'F(+/#/,#R'' '''b+#*3"4()"A'MhA'OPP[A'*U0EVV$$$R,%"#.#R4)GV**%#V$$$V,0#(,V,0#s(+51%s,&%+()&R*(:1'?+,,%##%8' '''I+&,*'OPPX@R op'F+&+*'!K%%"'+"8'J13T+5%(*'h+&0%"(%&A'Who Receives Uncompensated Care?'?b+#*3"4()"A'MhE''m%$'!:%&3,+' ''_)."8+/)"A'OPP[@A'*U0EVV$$$R"%$+:%&3,+R"%(Vr1%#Vb*)s=%,%3G%#sN",):0%"#+(%8sh+&%R08;'?+,,%##%8' ''I+&,*'OPPX@R oo'!<=>A'MEPSA'BC+51%'DRSR oq'i538R o^'i538R
QUESTION 9: What is the cost of health care received by Latinos, and who pays for it?