Premium subsidy programs: Who enrolls and how do they fare?
Little is known about who enrolls in state premium subsidy programs or enrollees' experiences. This study surveyed parents of children enrolled in two programs with identical income eligibility requirements: Oregon's State Children's Health Insurance Program (SCHIP) and its premium subsidy program (FHIAP). Parents choosing FHIAP were more likely to be employed, to speak English, to have prior experience with premiums and private health insurance, and to perceive insurance as protection against future health care needs. Despite copayment requirements and more restricted benefits in FHIAP, there were few differences in access to care between children enrolled in the two programs.
Mitchell, J., Haber, S., & Hoover, S. (2005). Premium subsidy programs: Who enrolls and how do they fare? Health Affairs, 24(5), 1344-1355. DOI: 10.1377/hlthaff.24.5.1344