2014 MASSACHUSETTS HEALTH INSURANCE SURVEY KEY FINDINGS Prepared by: Laura Skopec, Sharon K. Long,...

2 0 1 4 M A S S A C H U S E T T S H E A LT H I N S U R A N C E S U RV E Y

KEY FINDINGS

Prepared by:

Laura Skopec, Sharon K. Long, and Thomas H. Dimmock, Urban Institute

Susan Sherr, David Dutwin, and Kathy Langdale, SSRS

MAY 2015

2

The Massachusetts Health Insurance Survey (MHIS),

conducted by the Center for Health Information and

Analysis (CHIA), provides information on health

insurance coverage, health care access and use and

perceived health care affordability for Massachusetts

residents. The MHIS is a tool used by CHIA,

legislators, policymakers, employers, insurers and

other stakeholders to track and monitor the

experiences of Massachusetts residents in obtaining

timely and affordable health care.

In 2014, the MHIS methodology was modified to

provide a better understanding of health insurance

coverage in the Commonwealth. Specifically, the 2014

MHIS used a dual-frame random digit dialing (RDD)

landline and cell phone sample, with the survey

completed entirely over the phone. The 2008-2011

surveys used a dual-frame landline RDD and

address-based sample, with surveys completed by

phone, via the Internet, and in hard copy. In 2014, the

MHIS also oversampled landlines in areas with higher

OVERVIEWconcentrations of low income residents and

oversampled respondents with prepaid cell phones

not attached to a permanent account.

Both oversampling strategies were designed to

increase the number of interviews completed with low

income and uninsured respondents.

Because of the change in methodology, it is not

possible to determine whether any changes over time

are due to the survey design change or due to

underlying changes in health insurance coverage,

health care access, and health care affordability in

Massachusetts. Therefore, the 2014 MHIS should be

considered a new baseline and should not be used to

calculate changes from earlier years of the survey.

Along with changes in methodology, the 2014 MHIS

introduces two new topics: insurance coverage

transitions and respondents’ strategies to lower their

health care costs.

3

The Massachusetts Health Insurance Survey (MHIS)

provides information on health insurance coverage,

health care access and use and perceived health care

affordability for the non-institutionalized population in

Massachusetts. Information on health insurance

coverage and demographic information is collected for

all members of the household, with more detailed

information collected for one randomly selected

household member (referred to as the target person in

the household) and other members of his or her family

who are residing in the household. Target adults tend

to respond to the survey for themselves, while a

proxy, generally a parent, responds for a target child.

The data reported here are for the household target

person. For simplicity, we refer to the target person as

the respondent in discussing survey findings.

.

BACKGROUND ON THE MHISThe survey is conducted in English and Spanish and

its average completion time is 21 minutes. The 2014

MHIS was fielded between May 14 and July 30, 2014.

Surveys were completed with 4,024 Massachusetts

households, collecting data on 4,024 target persons,

including 504 children aged 0 to 18, 2,553 non-elderly

adults aged 19 to 64, and 967 elderly adults aged 65

and older.

The overall response rate for the 2014 MHIS was 30.9

percent, combining the response rate of 32.4 percent

for the landline telephone sample and the 27.7

percent for the cell phone sample. All estimates based

on the survey are prepared using weights that adjust

for the complex survey design, for undercoverage,

and for survey nonresponse.

Additional information about the MHIS is available in

the MHIS Methodology Report.

1. HEALTH INSURANCE COVERAGE AND UNINSURANCE

5

2008 2009 2010 2011 2012 2013 20140%

5%

10%

15%

20%

25%

2.6 2.7 1.93.1

3.75.9 5.5

3.9

6.6

9.2

Uninsured at the time of the survey (MHIS 2008-2011)Uninsured at the time of the survey (MHIS 2014)Ever uninsured over the past 12 months (MHIS 2008-2011)Ever uninsured over the past 12 months (MHIS 2014)

Uninsurance Rate for All Massachusetts Respondents, 2008-2011 and 2014

Note: Due to a change in survey design for the MHIS in 2014, estimates for 2014 are not directly comparable to estimates for 2008-2011.Source: 2008-2011, 2014 Massachusetts Health Insurance Survey

6

Insured at the time of the survey Insured at any time over the past 12 months

Always insured over the past 12 months

0%

20%

40%

60%

80%

100% 96.3 97.690.7

Health Insurance Coverage for All Massachusetts Respondents in 2014

Source: 2014 Massachusetts Health Insurance Survey

7



0%

20%

40%

60%

80%

100% 98.2 99.995.994.9 96.5

87.7

99.0 98.8 95.3

Children (0 to 18) Non-elderly adults (19 to 64) Elderly adults (65 and older)

Health Insurance Coverage in Massachusetts in 2014, by Age Group


8



0%

20%

40%

60%

80%

100% 97.8 98.993.094.6 96.2

88.3

Female Male

Health Insurance Coverage in Massachusetts in 2014, by Gender


9



0%

20%

40%

60%

80%

100% 96.9 98.092.693.7 97.4

87.796.9 97.9

88.092.9 94.4

82.0

White, non-Hispanic Black, non-HispanicOther or multiple races, non-Hispanic Hispanic

Health Insurance Coverage in Massachusetts in 2014, by Race/Ethnicity


10



0%

20%

40%

60%

80%

100% 94.1 95.2

83.3

94.5 96.1

84.3

94.7 97.793.1

99.0 99.8 97.9

Income at or below 138% of the Federal Poverty Level (FPL) Income between 138 and 299% of the FPLIncome between 300 and 399% of the FPL Income at or above 400% of the FPL

Health Insurance Coverage in Massachusetts in 2014, by Family Income


11

Health Insurance Coverage in Massachusetts in 2014, by Region


Insured at the time of the survey (%)

Insured at any time over the past 12

months (%)


(%)

Western MA 96.5 96.8 90.5

Central MA 96.2 97.6 89.0

Northeast MA 96.9 98.5 91.3

Metro West 98.6 99.2 94.1

Metro Boston 93.9 96.0 87.6

Metro South 97.0 97.6 92.0

Southcoast 98.2 99.6 94.7

Cape and Islands 96.6 98.1 94.9

12

Always insured over past 12 months

Ever uninsured over past 12 months

Gained coverage over past 12 months

Lost coverage over past 12 months

Always uninsured over past 12 months

0%

20%

40%

60%

80%

100%90.7

9.25.5

2.2 1.6

Transitions in Health Insurance Coverage for All Massachusetts Respondents in 2014

Note: The categories listed in this figure are not mutually exclusive. The group “Ever uninsured over past 12 months” includes those always uninsured over the past 12 months, gaining coverage over the past 12 months, and losing coverage over the past 12 months.Source: 2014 Massachusetts Health Insurance Survey

13






0%

20%

40%

60%

80%

100% 95.9

4.0 2.2 1.8 0.0

87.7

12.37.2

2.7 2.4

95.3

4.7 3.7 0.4 0.6


Transitions in Health Insurance Coverage in Massachusetts in 2014, by Age Group


14






0%

20%

40%

60%

80%

100% 93.0

7.0 4.8 1.6 0.6

88.3

11.76.3

2.8 2.6

Female Male

Transitions in Health Insurance Coverage in Massachusetts in 2014, by Gender


15






0%

20%

40%

60%

80%

100% 92.6

7.5 4.4 1.8 1.3

87.7

12.36.0 5.3

1.0

88.0

12.0 8.91.3 1.8

82.0

17.610.3

3.8 3.4


Transitions in Health Insurance Coverage in Massachusetts in 2014, by Race and Ethnicity


16






0%

20%

40%

60%

80%

100%

83.3

16.610.7

4.1 1.8

84.3

15.610.0

2.2 3.4

93.1

6.91.6 3.0 2.3

97.9

2.2 1.2 0.8 0.2

Income at or below 138% of Federal Poverty Level (FPL) Income between 138 and 299% FPL

Income between 300 and 399% FPL Income at or above 400% FPL

Transitions in Health Insurance Coverage in Massachusetts in 2014, by Family Income


17

Transitions in Health Insurance Coverage in Massachusetts in 2014, by Region

Always insured over the past 12

months (%)

Ever uninsured over the past 12

months (%)

Gained coverage over the past 12

months (%)

Lost coverage over the past 12

months (%)

Always uninsured over

the past 12 months (%)

Western MA 90.5 9.5 6.0 1.9 1.6

Central MA 89.0 11.0 7.1 1.9 2.0

Northeast MA 91.3 8.5 5.5 1.9 1.2

Metro West 94.1 5.9 4.3 1.1 0.4

Metro Boston 87.6 12.3 6.2 4.0 2.2

Metro South 92.0 8.1 5.1 1.0 2.0

Southcoast 94.7 5.3 3.5 1.5 0.3

Cape and Islands 94.9 5.5 2.1 1.5 1.9


18

Employer-sponsored insurance

Medicare Private non-group coverage, including

Commonwealth Choice

MassHealth or Commonwealth

Care

Other coverage or coverage type not

reported

0%

20%

40%

60%

80%

100%

58.8

16.47.9

15.6

1.3

Health Insurance Coverage among Insured Respondents in Massachusetts in 2014

Notes: Respondents were assigned a single coverage type based on the following hierarchy: employer-sponsored insurance; Medicare; private non-group coverage including Commonwealth Choice; MassHealth or Commonwealth Care; and other coverage. Medicare coverage estimates include Railroad Retirement board coverage. MassHealth or Commonwealth Care includes temporary coverage while the respondent's application for coverage from the Health Connector or MassHealth is being processed. Estimates may not sum to 100% due to rounding. It is important to remember that survey respondents often have difficulty reporting type of insurance coverage correctly.Source: 2014 Massachusetts Health Insurance Survey

19



Commonwealth Choice


Care


reported

0%

20%

40%

60%

80%

100%

65.1

2.57.6

24.1

0.8

63.6

9.5 9.415.7

1.8

29.5

67.0

2.0 1.2 0.3


Health Insurance Coverage among Insured Respondents in Massachusetts in 2014, by Age Group


20



Commonwealth Choice


Care


reported

0%

20%

40%

60%

80%

100%

56.8

17.68.2

16.5

0.9

61.1

15.17.4

14.5

1.9

Female Male

Health Insurance Coverage among Insured Respondents in Massachusetts in 2014, by Gender


21



Commonwealth Choice


Care


reported

0%

20%

40%

60%

80%

100%

64.3

17.67.5 9.8

0.9

46.7

12.94.4

31.4

4.6

54.1

7.4 11.5

23.5

3.6

29.8

17.79.1

42.4

1.0


Health Insurance Coverage among Insured Respondents in Massachusetts in 2014, by Race and Ethnicity


22



Commonwealth Choice


Care


reported

0%

20%

40%

60%

80%

100%

16.5

32.4

8.4

41.0

1.7

46.4

20.712.5

19.2

1.2

70.3

14.27.7 6.2 1.6

85.4

6.0 5.1 2.3 1.1

Income at or below 138% of Federal Poverty Level (FPL) Income between 138 and 299% FPLIncome between 300 and 399% FPL Income at or above 400% FPL

Health Insurance Coverage among Insured Respondents in Massachusetts in 2014, by Family Income


23

Health Insurance Coverage among Insured Respondents in Massachusetts in 2014, by Region


(%)

Medicare (%)

Private non-group coverage, including

Commonwealth Choice (%)


Care (%)

Other coverage or coverage type not reported (%)

Western MA 50.9 20.4 9.8 18.3 0.5

Central MA 58.2 19.5 6.3 13.2 2.8

Northeast MA 63.7 11.7 7.8 16.5 0.4

Metro West 69.4 15.8 6.4 6.9 1.5

Metro Boston 60.4 12.8 7.5 17.5 1.9

Metro South 57.4 21.1 6.0 13.6 2.0

Southcoast 42.6 23.7 9.7 23.4 0.7

Cape and Islands 47.8 19.7 17.0 15.4 0.2Notes: Respondents were assigned a single coverage type based on the following hierarchy: employer-sponsored insurance; Medicare; private non-group coverage including Commonwealth Choice; MassHealth or Commonwealth Care; and other coverage. Medicare coverage estimates include Railroad Retirement board coverage. MassHealth or Commonwealth Care includes temporary coverage while the respondent's application for coverage from the Health Connector or MassHealth is being processed. Estimates may not sum to 100% due to rounding. It is important to remember that survey respondents often have difficulty reporting type of insurance coverage correctly.Source: 2014 Massachusetts Health Insurance Survey

2. HEALTH CARE ACCESS AND USE

25

2008 2009 2010 2011 2012 2013 201450%

60%

70%

80%

90%

100%

91.9 91.092.9

90.987.7

88.3 88.0 88.1 87.9 86.8

78.3 78.5 79.3 78.4 78.5

Had a usual source of care (excluding the emergency department) (MHIS 2008-2011)

Had a usual source of care (excluding the emergency department) (MHIS 2014)

Had a visit to a general doctor or specialist in the past 12 months (MHIS 2008-2011)

Had a visit to a general doctor or specialist in the past 12 months (MHIS 2014

Had a visit to a general doctor for preventive care in the past 12 months (MHIS 2008-2011)

Had a visit to a general doctor for preventive care in the past 12 months (MHIS 2014)

Health Care Access and Use for All Massachusetts Respondents, 2008-2011 and 2014

Note: Due to a change in survey design for the MHIS in 2014, Massachusetts estimates for 2014 are not directly comparable to estimates for 2008-2011.Source: 2008-2011, 2014 Massachusetts Health Insurance Survey

26

Had a usual source of care (excluding the emergency

department)

Had a visit to a general doctor or specialist in the

past 12 months

Had a visit to a general doctor for preventive care

in the past 12 months

Had a dental care visit in the past 12 months

0%

20%

40%

60%

80%

100%

87.7 86.8

78.5

70.1

Health Care Access and Use for All Massachusetts Respondents in 2014


27


department)


past 12 months




0%

20%

40%

60%

80%

100% 94.5 92.988.5

81.384.6 83.4

73.967.8

89.9 91.8

81.9

62.2


Health Care Access and Use in Massachusetts in 2014, by Age Group


28


department)


past 12 months




0%

20%

40%

60%

80%

100%90.9 90.6

81.7

72.2

84.3 82.875.0

67.9

Female Male

Health Care Access and Use in Massachusetts in 2014, by Gender


29


department)


past 12 months




0%

20%

40%

60%

80%

100%90.3 88.8

80.672.5

78.9 81.675.3

69.4

80.2 81.572.3

54.2

80.7 80.4

70.3 66.6


Health Care Access and Use in Massachusetts in 2014, by Race and Ethnicity


30


department)


past 12 months




0%

20%

40%

60%

80%

100%

82.7 84.175.8

55.3

85.2 84.875.4

59.8

83.7 82.573.0 71.5

93.2 90.883.4 84.0


Health Care Access and Use in Massachusetts in 2014, by Family Income


31

Health Care Access and Use in Massachusetts in 2014, by Region


Had a usual source of care (excluding the

emergency department) (%)

Had a visit to a general doctor or specialist in

the past 12 months (%)

Had a visit to a general doctor for preventive

care in the past 12 months (%)


(%)

Western MA 85.8 86.3 78.5 65.8

Central MA 85.5 86.9 80.0 65.6

Northeast MA 91.3 88.7 81.2 71.7

Metro West 90.0 92.8 83.0 81.2

Metro Boston 82.9 80.6 70.6 68.6

Metro South 90.2 88.0 80.4 70.9

Southcoast 89.3 93.6 84.9 61.6

Cape and Islands 94.1 87.4 80.8 78.7

32

0%10%20%30%40%50%

12.4 13.519.2

Difficulties Getting Health Care for All Massachusetts Respondents in 2014


33

0%10%20%30%40%50%

8.8 6.613.215.6 17.6

23.6

5.0 6.8 10.2


Difficulties Getting Health Care in Massachusetts in 2014, by Age Group


34

0%10%20%30%40%50%

13.8 15.722.1

11.0 11.116.1

Female Male

Difficulties Getting Health Care in Massachusetts in 2014, by Gender


35

0%10%20%30%40%50%

11.5 12.7 17.411.8 14.1

20.312.9 11.7

24.018.9 19.8

27.7


Difficulties Getting Health Care in Massachusetts in 2014, by Race and Ethnicity


36

Told doctor's office or clinic did not accept insurance type over the past

12 months

Told doctor's office or clinic was not accepting new patients over the past

12 months

Unable to get an appointment with a health provider as soon as needed

over the past 12 months

0%

10%

20%

30%

40%

50%

19.9 18.4

23.8

15.9 15.418.2

10.5 11.5

18.6

6.710.1

17.3



Difficulties Getting Health Care in Massachusetts in 2014, by Family Income


37

Difficulties Getting Health Care in Massachusetts in 2014, by Region


Told doctor's office or clinic did not accept insurance type over the past 12 months

Told doctor's office or clinic was not accepting new

patients over the past 12 months

Unable to get an appointment with a health provider as

soon as needed over the past 12 months

Western MA 15.9 18.3 18.6Central MA 13.2 12.9 20.5Northeast MA 9.5 8.4 16.5Metro West 13.1 18.1 20.3Metro Boston 11.2 12.5 20.0Metro South 13.6 14.0 20.1Southcoast 14.8 15.2 22.8Cape and Islands 14.3 18.0 17.2

38

0%10%20%30%40%50%

31.2

14.7

38.7

Emergency Department Use by All Massachusetts Respondents in 2014

Note: A non-emergency condition is one that the respondent thought could have been treated by a regular doctor if one had been available.Source: 2014 Massachusetts Health Insurance Survey

39

0%10%20%30%40%50%

29.2

11.4

42.431.8

15.5

40.231.5

16.826.6


Emergency Department Use in Massachusetts in 2014, by Age Group


40

0%10%20%30%40%50%

33.0

15.9

38.529.2

13.5

38.9

Female Male

Emergency Department Use in Massachusetts in 2014, by Gender


41

0%10%20%30%40%50%60%

28.1

12.4

30.043.5

21.9

*

28.1

12.9*

48.4

28.8

55.2


Emergency Department Use in Massachusetts in 2014, by Race and Ethnicity

* The value has been suppressed due to small sample size.Note: A non-emergency condition is one that the respondent thought could have been treated by a regular doctor if one had been available.Source: 2014 Massachusetts Health Insurance Survey

42

0%

10%

20%

30%

40%

50% 45.8

27.5

42.3

33.1

18.0

38.5

29.2

10.0

*

22.3

7.0

34.6


Emergency Department Use in Massachusetts in 2014, by Family Income


43

Emergency Department Use in Massachusetts in 2014, by Region

Any emergency department (ED) visit

over the past 12 months (%)

More than one ED visit over the past 12

months (%)

Among those with an ED visit over the past 12

months, most recent ED visit was for a non-

emergency condition (%)

Western MA 32.3 16.6 37.8Central MA 34.5 20.2 43.4Northeast MA 27.4 12.0 38.9Metro West 28.7 12.0 *Metro Boston 33.2 16.0 39.4Metro South 29.7 11.8 *

Southcoast 35.8 17.3 *

Cape and Islands 31.3 13.7 *


3. HEALTH CARE AFFORDABILITY

45

2008 2009 2010 2011 2012 2013 20140%

10%

20%

30%

40%

50%

20.7 20.7 22.7 23.927.9

15.7 15.217.5 18.0 19.6

Any unmet need for health care because of costs (MHIS 2008-2011)Any unmet need for health care because of costs (MHIS 2014)Had difficulty paying medical bills in the past 12 months (MHIS 2008-2011)Had difficulty paying medical bills in the past 12 months (MHIS 2014)

Unmet Health Care Needs and Difficulty Paying Family Medical Bills for All Massachusetts Respondents, 2008-2011 and 2014

Note: Due to a change in survey design for the MHIS in 2014, estimates for 2014 are not directly comparable to estimates from 2008-2011. Estimates for unmet need for health care due to costs include unmet needs for dental as well as medical care. Medical care includes doctor care, specialist care, and prescription drugs.Source: 2008-2011, 2014 Massachusetts Health Insurance Survey

46

0%10%20%30%40%50%

27.9

8.8 11.220.1

Reported Unmet Need for Health Care Because of Costs for All Massachusetts Respondents in 2014

Note: Any unmet need for care is defined as reporting one or more of the following unmet needs for care due to cost: unmet need for doctor care, unmet need for specialist care, unmet need for dental care, or ever went without a prescription drug because of costs. Medical care includes doctor care, specialist care, and prescription drugs.Source: 2014 Massachusetts Health Insurance Survey

47

0%10%20%30%40%50%

12.33.4 4.6 7.5

35.2

12.1 14.5

25.922.0

3.9 8.315.4


Reported Unmet Need for Health Care Because of Costs in Massachusetts in 2014, by Age Group


48

0%10%20%30%40%50%

31.1

8.7 13.121.424.4

8.9 9.318.6

Female Male

Reported Unmet Need for Health Care Because of Costs in Massachusetts in 2014, by Gender


49

0%10%20%30%40%50%

26.4

7.9 10.118.8

26.6

6.3 9.1

21.230.3

10.4 14.121.0

36.9

15.8 18.027.5


Reported Unmet Need for Health Care Because of Costs in Massachusetts in 2014, by Race and Ethnicity


50

0%

10%

20%

30%

40%

50%

40.7

13.919.3

30.1

39.1

12.916.7

29.324.0

8.0 8.2

16.015.5

3.9 4.5

10.4



Reported Unmet Need for Health Care Because of Costs in Massachusetts in 2014, By Family Income


51

Reported Unmet Need for Health Care Because of Costs in Massachusetts in 2014, by Region

Any unmet need for health

care over the past 12 months

because of costs (%)

Any unmet met need for doctor

care over the past 12 months

because of costs (%)

Ever went without

prescription drugs over the past 12 months because

of costs (%)

Any unmet need for dental care

over the past 12 months because

of costs (%)

Western MA 37.7 11.2 17.3 27.5Central MA 28.0 11.1 10.9 18.1Northeast MA 24.1 7.8 10.4 18.8Metro West 23.9 8.1 9.0 13.0Metro Boston 26.8 7.8 9.8 19.9Metro South 27.3 9.2 9.4 21.7Southcoast 31.9 7.4 15.6 21.5Cape and Islands 31.0 9.7 12.3 21.9


52

Out-of-pocket health care spending greater than $1000 over the past 12

months


months

Had difficulty paying medical bills over the past 12 months

0%

10%

20%

30%

40%

50%

38.1

19.0 19.6

Out-of-Pocket Family Health Care Spending and Difficulty Paying Family Medical Bills for All Massachusetts Respondents in 2014


53


months


months


0%

10%

20%

30%

40%

50%

40.5

21.017.6

38.8

18.722.3

31.2

16.9

10.9



Out-of-Pocket Family Health Care Spending and Difficulty Paying Family Medical Bills in Massachusetts in 2014, by Age Group

54


months


months


0%

10%

20%

30%

40%

50%

37.5

18.320.3

38.7

19.6 18.8

Female Male


Out-of-Pocket Family Health Care Spending and Difficulty Paying Family Medical Bills in Massachusetts in 2014, by Gender

55


months


months


0%

10%

20%

30%

40%

50%

42.1

21.018.717.8

8.9

20.6

36.6

17.521.122.5

11.1

24.2


Source: 2014 Massachusetts Health Insurance Survey.

Out-of-Pocket Family Health Care Spending and Difficulty Paying Family Medical Bills in Massachusetts in 2014, by Race and Ethnicity

56


months


months


0%

10%

20%

30%

40%

50%

20.4

11.1

25.3

36.2

16.4

29.7

41.4

22.7 22.1

48.4

23.8

9.9



Out-of-Pocket Family Health Care Spending and Difficulty Paying Family Medical Bills in Massachusetts in 2014, by Family Income

57


Out-of-pocket health care spending greater than $1000 over the past 12 months (%)

Out-of-pocket health care spending greater than $3000 over the past 12 months (%)

Had difficulty paying medical bills over the past 12 months (%)

Western MA 34.3 18.8 24.8

Central MA 42.4 20.3 23.8

Northeast MA 41.1 21.5 18.8

Metro West 47.0 21.9 16.8

Metro Boston 34.6 16.0 15.5

Metro South 37.5 16.8 21.3

Southcoast 22.8 14.3 24.3

Cape and Islands 41.5 25.1 15.2

Out-of-Pocket Family Health Care Spending and Difficulty Paying Family Medical Bills in Massachusetts in 2014, by Region

58

Approaches Used by Families to Lower Health Care Costs for All Massachusetts Respondents in 2014


0%10%20%30%40%50%

31.3 28.4

11.45.9 5.3

59

0%20%40%60%80%

100%

31.6 27.28.3 4.8 5.8

33.7 29.314.1 7.2 5.8

20.9 26.34.8 1.7 2.2


Approaches Used by Families to Lower Health Care Costs in Massachusetts in 2014, by Age Group


60

0%20%40%60%80%

100%

31.2 29.710.6 5.4 5.8

31.6 26.912.2 6.3 4.7

Female Male

Approaches Used by Families to Lower Health Care Costs in Massachusetts in 2014, by Gender


61

0%20%40%60%80%

100%

31.3 27.610.7 5.0 5.2

36.8 38.3

9.7 10.1 6.9

33.1 29.316.1 8.6 3.7

27.5 27.513.2 7.4 6.1


Approaches Used by Families to Lower Health Care Costs in Massachusetts in 2014, by Race and Ethnicity


62

Someone in family tried to stay healthier

Someone in family switched to a lower

cost health insurance plan

Someone in family went without needed

care

Someone in family went without health

insurance

Someone in family changed to a lower cost doctor or other

provider

0%

20%

40%

60%

80%

100%

29.3 29.0

15.29.3 6.0

37.029.2

17.310.7 7.5

30.1 28.0

12.75.1 2.5

29.8 27.6

5.4 1.5 4.4


Approaches Used by Families to Lower Health Care Costs in Massachusetts in 2014, by Family Income


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Approaches Used by Families to Lower Health Care Costs in Massachusetts in 2014, by Region

Someone in family tried

to stay healthier

(%)

Someone in family switched

to lower cost health

insurance plan (%)

Someone in family went

without needed health

care (%)

Someone in family went

without health

insurance (%)

Someone in family changed to lower cost doctor

or other health care provider (%)

Western MA 34.9 30.6 12.2 7.5 6.6Central MA 27.6 26.1 12.3 5.1 2.7Northeast MA 30.3 28.6 11.3 4.8 7.4Metro West 37.5 26.6 9.0 7.5 8.3Metro Boston 26.5 27.8 9.8 6.4 3.5Metro South 35.1 33.1 13.0 5.0 3.4Southcoast 36.8 26.9 16.7 4.3 5.3Cape and Islands 31.5 20.1 10.2 6.0 5.0


2014 MASSACHUSETTS HEALTH INSURANCE SURVEY KEY FINDINGS Prepared by: Laura Skopec, Sharon K. Long,...

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