Three successive yearly polls by Gallup have revealed that about 42 percent of the total adults polled in the United States are dissatisfied when it comes to healthcare expenses. However, 56 percent of the polled expressed satisfaction. The Gallup Health and Healthcare polls were conducted during 2015, 2015 and the present year 2016. All polls were done in November.
Satisfaction and dissatisfaction
Dissatisfaction was found the most in those who have opted for private insurance. These have consistently risen over the years. During the 2011 and 2013 period, it was 40 percent. In 2016, it was 49 percent. In 2011 itself, dissatisfaction was calculated to be 30 percent. The satisfaction of those with private insurance varied with how much premium costs are shared by the employer.
It is found that among those polled, the individuals covered by Medicaid or Medicare (about 29 percent), private insurance (approximately 48 percent) and the uninsured (calculated to be 62 percent) are the least dissatisfied. In its press release on December 12, Gallup acknowledged that even though it will be hard for an average consumer to express satisfaction with price of a product or a service which can end up spending substantial sums of money, the dissatisfaction linked with the healthcare expenses is linked with a person’s medical coverage in the first place. It is interesting to note that the average is actually up. It was 38 percent before during the 2011 to 2013 period and prior to the exchanges set up by Affordable Care Act or ACA. The latter started operations in 2014.
Employer coverage-or not
When the employer fully covered the costs, the rate of dissatisfaction was found to be 27 percent. Sharing the costs pushes dissatisfaction rates to 46 percent. It is the highest when the consumer fully pays the medical expenses. Household income also plays a decisive role- coming to 48 percent for people earning about $75,000 and more. It comes to 45 percent for those earning $30,000 or less.
The 2014 to 2016 period saw about 37 percent of total Americans getting enrolled in government healthcare plan. About 52 percent had coverage via a private insurer. About 11 percent of the population had non-existent insurance coverage.
Due to the ACA implementation, adults enjoying private health will in all probability pay 100 percent of the premiums. The scheme may include workers deviating from the plan instituted by the employer- even after being dropped. These workers may then enroll into ACA exchanges.