Health insurance is a system that pools risk by paying premiums or taxes to cover the cost of medical services. This article examines the demand for health insurance among uninsured Americans.
Uninsured adults are more likely to be men, black or Hispanic, and less likely to have children. Additionally, they are more likely to fall into the coverage gap, meaning their income is too high for Medicaid but too low for marketplace subsidies.
Price Elasticity of Demand for Health Insurance
In simulation models, a crucial parameter is the price elasticity of demand for health insurance to determine the effects of suggested policy changes. It is also a critical input to public policy decisions. However, estimating price elasticity is difficult. It is because the actual prices paid are inherently endogenous. The decision to purchase insurance is affected by various factors, including the number and type of plans available in the individual market and variations in actuarial value. Establishing a structural model that captures all the linkages between potential subscribers’ pricing, benefits, and participation decisions is impossible. Previous studies of price elasticity use various techniques, including linking a list of prices in the individual insurance market to individuals by residence and age; responses to hypothetical insurance offers; reservation prices based on expected health care spending; and a sliding scale subsidy schedule. However, there are better methods for capturing the complexity of real-world coverage choices. For example, a person with employer-sponsored coverage may decide to drop or retain that coverage in response to a change in her subsidy schedule, or she may choose to join a new public program.
The Willingness to Pay For Health Insurance
The vast majority of uninsured Americans get their health insurance through the workplace. This report uses new data to explore the willingness to pay for health insurance in households that do not have employer-provided coverage. The results indicate that household willingness-to-pay values are higher than public and private healthcare costs for most uninsured families. A policy initiative that reduces the cost of private health insurance could potentially increase take-up rates. The number of nonelderly Americans who are uninsured has declined slightly since 2019. This decrease is due primarily to increases in Medicaid and non-group coverage, which have offset declines in the employer-sponsored range. Among those who remain uninsured, the most common reason cited is that they cannot afford coverage. A key feature of this analysis is that the survey includes an item asking respondents to report their expectations for future spending on healthcare. It allows us to directly compare empirical distributions of past expenditures with subjective probability distributions of expected spending, estimating an individual’s “belief premium.”
The Supply of Health Insurance
Several studies have documented the patterns of coverage among workers. Uninsured workers tend to be employed in smaller firms in the agriculture, construction, and trade industries; they are also more likely to work part-time and earn below $10 per hour. They are also more likely to be poor and have been denied health insurance coverage. As a result of policies put in place during the COVID-19 pandemic to stabilize coverage, the number of nonelderly Americans without health insurance dropped significantly from 2019 to 2021. The decline in the uninsured rate was driven by increases in Medicaid and non-group marketplace coverage that offset losses in employer coverage. The coverage gains were larger among Hispanic people, those in working families, and people living below the poverty line. But despite the substantial coverage gains, the cost of health insurance remains a significant barrier to enrollment. The most common reason cited by people for being uninsured in 2021 was that it was too expensive. Unsurprisingly, the ACA has highly progressive subsidy schedules, and healthy individuals are more price-sensitive than those with lower incomes. Moreover, these individuals are unlikely to choose to enroll if their subsidies are reduced. Therefore, a more robust understanding of the demand for health insurance is needed to inform policy initiatives to expand access to the market.
The Demand For Health Insurance
In 2021, 27.5 million nonelderly people were uninsured, a decline of nearly 1.5 million from 2019. This change was driven by increases in Medicaid and non-group coverage, which offset declines in employer-sponsored coverage. These gains were more pronounced among low-income individuals and those in working families. Coverage also improved for Hispanics and people with pre-existing conditions, who are more likely to encounter challenges paying medical bills. Changes in employment-based coverage drove the increase in enrollment in public and private insurance, direct purchase plans on the ACA marketplaces, and provisions of the Families First Coronavirus Response Act that prevent states from disenrolling individuals from Medicaid during the pandemic. The drop in uninsured is also likely due to broader economic and labor market developments, including wage gains and the extension of enhanced Marketplace subsidies for another three years. Workers in firms with more generous health coverage have higher sponsorship, eligibility, and take-up rates. This finding suggests that anti-discrimination laws effectively ensure workers who want health coverage have access to it. It is also important to understand the factors that determine the demand for health insurance, which can vary across industries and individual characteristics. For example, employees of smaller companies are less likely to receive offers of health insurance from their employers. However, they are more likely to take up an offer than employees of larger companies.
Frances Valentine is one of my favorite clothing companies. It started out as a company that Kate Spade started with her best friend Elyse. Since Kate’s passing Elyse has been designing and keeping the company going in Kate’s memory and a homage to her personal style. I can literally buy every single piece every single season. Elyse gets it. From the dresses to the jewelry to the shoes, everything is perfection. Enjoy this warm weather style as the temperatures rise. I am so excited to be a Frances Valentine ambassador so expect to see a lot more of their looks on my pages and Dabney Lee in Rye also just started carrying the line if you would like to check it out locally….Click on the numbers below to see more information or to purchase!
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Looking gorgeous doesn’t have to be overwhelming. The key to feeling and looking your best lies in having accurate tools. From dental utensils, makeup brushes, and skincare gadgets, a great beauty toolkit can transform any routine into an effortless breeze. Investing in high-quality gear not only ensures perfect product application but also safeguards your skin against harm. With these powerful weapons of self-care at hand, master the artistry of cosmetics effortlessly with stunning results every time!
Smile Enhancing tools
Perfecting your smile plays a significant role in achieving a flawless appearance. A captivating smile can elevate your overall beauty and boost your confidence, making it essential to invest in smile-enhancing tools and treatments.
While flossing and regular brushing can get you a beautiful smile, these traditional dental tools may not be enough if you’re facing complex dental issues. For such cases, here are some tools to improve the appearance of your smile and contribute to a stunning overall look.
- Dental Implants
Dental implants are artificial tooth roots placed into the jawbone to support a replacement tooth or bridge. They are a powerful solution for replacing missing teeth and improving the appearance and function of your smile.
Opting for dental implant services ensures a long-lasting, natural-looking restoration that gives a more confident and beautiful appearance. To learn more about dental implants, visit the website https://www.hrsurgery.com/procedures/dental-implants/, which will provide a detailed overview of the implant placement process.
- Dental Veneers
If you are looking through dental veneers, and want to find one that suits you, why not first take a consultation from the Best Dentist in UAE.
- Teeth Whitening
Teeth whitening is another essential smile-enhancing tool that can dramatically improve the appearance of your teeth. Professional teeth whitening services or at-home whitening kits can help remove stains and discoloration, resulting in a brighter, more radiant smile.
Always consult your dentist before using whitening products to ensure the best results and maintain oral health.
- Dental Veneers
Dental veneers are thin, custom-made shells that cover the front surface of your teeth to improve their appearance. They can correct cosmetic issues, including chipped, discolored, or uneven teeth. By opting for dental veneers, you can achieve a uniform, picture-perfect smile that enhances your overall beauty.
Essential Makeup Brushes
Makeup is an essential part of any beauty routine. While high-quality makeup products are important, having the right tools can make all the difference in achieving a flawless look.
- Foundation brush
The foundation of any makeup look starts with, well, foundation. A high-quality foundation brush can make all the difference in achieving a smooth, even, and airbrushed finish.
Look for a brush with dense, synthetic bristles and a slightly tapered edge to blend liquid or cream foundation seamlessly. The right brush not only provides better coverage but also prevents product wastage.
- Powder brush
Setting your makeup up with powder is a must; you need a reliable powder brush. Opt for a soft, fluffy brush with a rounded or domed shape, as it will effortlessly pick up the right amount of product and distribute it evenly across your face.
A good powder brush can also apply bronzer or blend contour lines, making it a versatile addition to your beauty toolbox.
- Blush brush
Nothing adds life to your face like a touch of blush, and using a dedicated blush brush is key to achieving a natural, flushed look.
Choose a brush with soft, angled bristles that can easily pick up powder and blend it seamlessly onto the apples of your cheeks. A quality blush brush allows you to build color gradually, ensuring you never go overboard.
- Eyeshadow brush
Eye makeup can make or break your look, and the right eyeshadow brush is essential for precise, even application. Look for a flat, densely-bristled brush that can pack on color and blend it effortlessly. Having multiple eyeshadow brushes in different sizes and shapes can help you create a variety of eye looks, from subtle daytime glam to sultry smoky eyes.
- Blending brush
The key to a flawless eye look is blending, and a high-quality blending brush is your secret weapon. This brush should have fluffy, soft bristles and a slightly tapered shape to blend eyeshadow colors and diffuse harsh lines seamlessly. Investing in a good blending brush will help you achieve professional-looking eye makeup, regardless of your skill level.
Skincare Gadgets
Skincare gadgets are essential tools for achieving healthy and glowing skin. They can help you improve the effectiveness of your skincare routine and address specific skin concerns.
- Facial Cleansing Brush
Incorporating a facial cleansing brush into your skincare routine can work wonders for your skin’s health and appearance. These brushes are designed to deep-clean your pores, gently exfoliate dead skin cells, and improve circulation for a glowing complexion. Look for a brush with soft, antimicrobial bristles and adjustable speed settings to suit your skin type and sensitivity.
When using a facial cleansing brush, start by applying your favorite cleanser to your damp skin. Turn on the brush and gently move it in circular motions across your face, avoiding the delicate eye area.
Be careful not to apply too much pressure, as this can cause irritation or redness. After use, rinse your brush thoroughly and allow it to air-dry to maintain its hygiene.
- Derma Roller
Derma rollers, or micro-needling devices, have gained popularity in recent years for their ability to boost collagen production, reduce the appearance of acne scars, and improve skin texture. These handheld devices feature tiny, fine needles that create micro-injuries in the skin, stimulating the body’s natural healing process and encouraging new cell growth.
When using a derma roller, start by cleansing your face thoroughly and applying a serum or hydrating product to enhance the benefits. Gently roll the device across your skin in different directions, being careful not to apply too much pressure or repeatedly roll over the same area.
After use, sanitize your derma roller with rubbing alcohol and store it in a protective case. Always patch test on a small area before using it on your entire face, and consult a professional if you have any concerns.
- Jade Roller & Gua Sha
Jade rollers and Gua Sha tools have been used for centuries in traditional Chinese medicine to promote lymphatic drainage, reduce puffiness, and improve circulation for a radiant complexion. Made from natural stones like jade or rose quartz, these tools provide a cooling, soothing massage that can help reduce tension and relax facial muscles.
To use a jade roller, start by applying your favorite serum, oil, or moisturizer to your clean face. Gently glide the roller in upward and outward motions, focusing on areas with tension or puffiness, like the jawline and under-eye area.
For Gua Sha, hold the tool at a 45-degree angle and gently scrape it across your skin using the same upward and outward motions. Incorporate these tools into your daily routine for maximum benefits and a relaxing, spa-like experience.
Conclusion
Armed with these essentials, you can achieve a flawless look and a captivating smile. Investing in high-quality tools and professional services guarantees a beautiful appearance and maintains your natural beauty. With the right tools and techniques, you can confidently embrace your unique beauty and express your style from head to toe.
Rebecca Rose is a new store in The Westchester that helps women of all ages find the most fashionable new brands and current styles. The first time I visited I found a dress for each of my girls and one for myself. I almost walked out with a vintage Pucci bag and even a fun beaded evening bag. Think of Rebecca Rose as your new go-to for that perfect seasonal look or two. It is definitely a must-stop the next time you visit the mall or make a special trip straight to Rebecca Rose, you will be very happy.
This version is gluten-free, and dairy-free, and is made with common ingredients you likely already have in your pantry.
Yields: 12 muffins (or 24 mini muffins)Prep time: 10 minutes Bake time: 35 minutes Total time: 45 minutes
Ingredients:
- 5 organic carrots
- 2 eggs
- ¼ cup coconut butter (softened)
- ¾ cup oat milk
- 6 pitted dates
- ¾ tbsp baking powder
- ¾ tbsp baking soda
- 1 serving of vanilla protein powder (2 scoops of Orgain)
- 1/2 tsp nutmeg
- 1 tbsp cinnamon
Tools
- Food processor (or box grater), Large mixing bowl, Rubber spatula, Gallon ziploc bag, Cupcake Pan, 12 Cupcake liner
Cake Baking Instructions
- Preheat oven to 350 degrees.
- Peel the carrots and cut the ends off. Process the carrots in the food processor using the disc attachment or grate the carrots on a box grater. After processing, empty the shredded carrots into a large mixing bowl.
- Process the dates until they are small bits, then empty the dates into the mixing bowl.
- Combine eggs, coconut butter, and oat milk with carrots and dates.
- Add remaining dry ingredients: baking powder, baking soda, vanilla protein powder, nutmeg, and cinnamon. Stir until the batter is even in texture.
- Line the cupcake pan with cupcake liners.
- Transfer the batter to the zip lock bag, slice the corner off to make it a piping bag, and fill the liners with batter until it’s ¾ cull (leave enough room for the cake to rise).
- Bake for about 35 minutes until the top is golden brown and the insides are fully cooked.
Icing Ingredients
- 1/2 cup softened unsalted butter
- 8 ounces dairy-free cream cheese
- 4 cups confectioners sugar
- 1 teaspoon vanilla extract
Tools
- Large mixing bowl, Whisk, Rubber spatula, Gallon Ziploc bag
Icing Instructions
- Mix all the ingredients together and whisk until combined.
- Transfer the icing to the gallon-size ziplock bag, slice the corner off to make it a piping bag
- Once the cake has cooled, swirl the icing over the carrot cake
If you’re looking to speed this up, store-bought icing works just as well!
A fun way to color the icing: Option 1: If you would like to add a fun, whimsical touch, add beet juice to the icing before pouring it into the piping bag to create a pastel pink.Katy Hack: For a “tie-dye” effect, don’t fully combine the beet juice, gently stir it in but leave the streaks in. Option 2: To create a more elevated look and stay within the carrot color scheme, sprinkle turmeric over the white icing to make the color pop. Don’t worry, you don’t taste the turmeric!
I recently sat down to do a Q&A with children’s book author, Mandana Vetto. I loved her book The President Wears Pink and wanted to ask her some questions about being an author and her inspiration. The book has such a wonderful message and I have purchased it for many of the young girls in my life. For more information or to purchase the book, click HERE.
What inspired you to write the children’s book, The President Wears Pink?
A compilation of things led me to think up this book. Mainly, in 2014 Always came out with a powerful campaign “Like A Girl” – the link below will take you to one of the commercials for this campaign. I absolutely love this campaign and found myself pondering the term “like a girl.” When I think of girls I think: of strong, smart, tough, kind, movers, shakers, leaders, fearless, powerful – and completely unstoppable. Absolutely nothing in the pejorative. It was very important for me to convey this positive message of what “like a girl” means by essentially redefining it, which is when I wrote “when someone says run like a girl they mean really fast. When someone says act like a girl they mean really kind.” The book sort of went from there.
Does anything in the book come from your own childhood?
My father is elderly and has a very old-school mentality regarding women and their place.
Is writing easy for you?
Can being a writer be a lonely business?
While I love writing, it does not come that easy to me, yet this book did.
Who illustrates your book and why did you choose her?
Sara Foresti was my illustrator, and I found her through Astound Agency. They represent amazing artists and Sara’s work really stood out to me. She was just brilliant when we collaborated together and had a lot of great ideas from the get-go. We both put a lot of thought into every page and every illustration, and the meanings behind them, and she was so talented in her execution.
Do you try to write without expressing your own opinions?
It depends on the subject matter.
What is the main idea you wanted to get across to your young readers in this book?
Empowerment and girl power. The definition of what being a girl is on a basic level so that if anyone says anything that feels deprecating to them they can defend themselves. Quote the book. Use your strong voice. Whatever it takes. And to believe and feel what they are saying. Girls can do anything – we just need to believe it. As Glinda, the Good Witch said to Dorothy: “You’ve always had the power, my dear, you just had to learn it for yourself.”
As a grown-up how hard is it to write in for Children? In a child’s voice?
I surprised myself when writing this book as I never thought I’d write a children’s book, yet the message came very easily to me.
How long does it take you to write a children’s book?
This one did not take me long once I put pen to paper, however, I had given it a lot of thought beforehand and it was rolling around in my thoughts for a while.
How much research is involved?
It is a children’s book so not have a lot at all compared to, for example, a historical novel. But it did have some research; e.g. on page 4 of the book we see a young girl on her trail to the moon, and in many of the steps of this path are names of women who are trailblazers and have made history. There are just so many amazing women who have made history. I wanted to make sure I had a representation across the board, so I did a lot of research here and put a lot of thought into which women I chose.
Where can we purchase your book?
Amazon.com is everyone’s best bet. Locally Arcade books in Rye carries my book and has had me come in and sign books that have been ordered through them, which make for great gifts.
What is next for you?
As this book was released right before Covid I hope to re-launch it and garner the attention it deserves.