[20171102]IF10558_私人健康保险市场的覆盖范围.pdf

https:/crsreports.congress.gov Updated November 2, 2017Coverage in the Private Health Insurance MarketAmericans obtain health insurance through a variety of methods and from different sources. People may get insurance through the private sector or from a government source, or individuals may go uninsured. Private Health Insurance Market The private health insurance market includes both the group market (largely made up of employer-sponsored insurance, or ESI) and the non-group market (commonly referred to as the individual market, see Figure 1). Private health insurance does not include government sources of coverage, such as Medicare or Medicaid. Figure 1. Private Health Insurance Sources of Coverage Source: Congressional Research Service (CRS). Notes: SHOP = Small Business Health Options Program. A SHOP exchange is where small businesses can purchase small-group insurance and apply for small business health insurance tax credits. The dynamic nature of health insurance coverage results in nuanced estimates of coverage, which often depend on the time frame being measured. For example, at the time of the measurement, an individual may indicate having Medicare coverage only. However