Disclosures: Please see the study for all authors' relevant financial disclosures.
January 14, 2022
1 min read
Save

One-third of US children uninsured from 2016-2019, study finds

Disclosures: Please see the study for all authors' relevant financial disclosures.
You've successfully added to your alerts. You will receive an email when new content is published.

Click Here to Manage Email Alerts

We were unable to process your request. Please try again later. If you continue to have this issue please contact customerservice@slackinc.com.

A third of U.S. children were uninsured from 2016 to 2019, according to a study published recently in Pediatrics.

The study found that even before the COVID-19 pandemic, underinsurance rose significantly among U.S. children due to increased rates of insurance inadequacy.

health insurance_Protection
Uninsurance rose among children from 2016-2019. Source: Adobe Stock

Using data from the National Survey of Children’s Health, researchers determined that among 73.3 million children aged 0 to 17 years in the 3-year period, the proportion of U.S. children experiencing underinsurance rose 3.4% (95% CI, 1.9%-4.9%) from 30.6% to 34% — amounting to an additional 2.4 million uninsured children from the period before.

Just more than two-thirds of their peers (67.6%; 95% CI, 67- 68.1%) had continuous and adequate insurance coverage during that period.

“We found that insurance inadequacy experienced as unreasonable out-of-pocket medical expenses increased significantly, in line with studies of U.S. adult underinsurance showing a doubling of insurance inadequacy because of high out-of-pocket costs in the past decade,” the researchers wrote.

“High out-of-pocket costs are problematic because they increase the risk of forgone care and the burden on a family’s finances,” they wrote. “This rise in unreasonable out-of-pocket expenses is likely due to the broader pattern of commercial insurance plans becoming more expensive and transferring costs to individuals and families.”

The researchers said employer-sponsored insurance plans now account for more than 11% of the national median household income, with families in non-Medicaid expansion states experiencing even higher cost-sharing burdens because of increases in premiums, copayments and deductibles.

“High-deductible health plans have also come to dominate marketplace products, with almost 90% of marketplace enrollees selecting high-deductible products,” they wrote. “These trends also help explain why we found children with private insurance were significantly more likely to be underinsured, further building the evidence base that public insurance better protects families from out-of-pocket costs.”

The researchers said reforms are needed to address the problem.