A Study of the Connection Between Health Insurance Literacy and Health Status: Evidence from the US Healthcare Reform Monitoring Survey,Journal of Community Health

This study examines the relationship between health insurance literacy, as indicated by confidence in comprehending health insurance terms, and health status using cross-sectional data from 8 waves of the Health Reform Monitoring Survey (HRMS), covering 61,895 individuals from 2013 to 2017. An ordered logistic regression model was employed with self-rated health status on a five-point Likert scale as the dependent variable and the score of confidence in understanding health insurance terms as the primary independent variable. The model adjusts for variables such as access to care, insurance status, concerns about affordability leading to missed care, household size, family income, employment, education, race, marital status, and gender. Results suggest a positive association between higher confidence in understanding health insurance and superior health statuses. These findings underscore the significance of improving health insurance literacy and advocating for potential policy interventions to enhance public understanding of health insurance benefits and coverage options.

中文翻译：

健康保险素养与健康状况之间联系的研究：来自美国医疗改革监测调查的证据

本研究使用来自 8 波健康改革监测调查 （HRMS） 的横断面数据（涵盖 2013 年至 2017 年的 61,895 人）检查了健康保险素养（如理解健康保险术语的信心所表明）与健康状况之间的关系。采用有序 logistic 回归模型，以五点李克特量表上的自我评价健康状况为因变量，以理解健康保险术语的置信度得分为主要自变量。该模型调整了诸如获得护理的机会、保险状况、对导致错过护理的负担能力的担忧、家庭规模、家庭收入、就业、教育、种族、婚姻状况和性别等变量。结果表明，了解健康保险的较高置信度与卓越的健康状况之间存在正相关。这些发现强调了提高健康保险素养和倡导潜在政策干预以增强公众对健康保险福利和承保范围选择的理解的重要性。

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