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Health Care Expenditures
In 2010, 89.4 percent of women had at least one health care expense, compared to 78.7 percent of men (data not shown in graph images or in data tables on this site). For both women and men, about 40 percent of expenses were paid by private insurance while about 35 percent were paid by Medicare or Medicaid, and slightly less than 15 percent were paid out of pocket.
In 2010, women paid an average of $928 out-of-pocket for health care services compared to $798 paid by men (data not shown in graph images or in data tables on this site). The proportion of health care expenses paid out-of-pocket by women varied by insurance coverage. Almost one-fifth (17.1 percent) of the expenses reported by privately insured women younger than 65 were paid out-of-pocket, compared to 5.7 percent of expenses reported by publicly-insured women and nearly one-third (32.0 percent) of the expenses reported by uninsured women (data not shown in graph images or in data tables on this site).
Among adults who had at least one health care expense, the average expenditure per person, including expenses covered by insurance and those paid out-of-pocket, was slightly higher for women ($6,066) than for men ($5,547). However, men’s average expenditures significantly exceeded women’s for hospital inpatient services ($22,118 versus $15,792, respectively). Women’s average expenditures significantly exceeded men’s only in the category of office based medical services ($1,645 versus $1,455, respectively). The overall mean health care expense was greater for women because of the greater percentage of women incurring more expensive services. For instance, 10.6 percent of women had hospital inpatient services, which includes childbirth delivery, compared to 6.5 percent of men.
The Affordable Care Act contains a number of provisions to reduce health care costs, for example by eliminating copayments for recommended preventive services in private plans and testing new payment systems for Medicare to improve quality and efficiency.1
|Source of Payment||Percent of Adults, Female||Percent of Adults, Male|
|*Percentages may not sum to 100 due to rounding.↑
**Includes other public programs, such as Department of Veterans Affairs, Indian Health Service, and community clinics, worker's compensation, as well as other unclassified sources.↑ Source: U.S. Agency for Healthcare Research and Quality. Total Health Services-Mean and Median Expenses per Person with Expense and Distribution of Expenses by Source of Payment: United States, 2010. Medical Expenditure Panel Survey Household Component Data. Generated interactively. Accessed 07/31/13.
|Private Insurance (includes Tricare: Armed Forces-related coverage)||40.4||38.7|
|Category of Service||Dollars per Person, Female||Dollars per Person, Male|
|Source: U.S. Agency for Healthcare Research and Quality. Total Health Services-Mean and Median Expenses per Person with Expense and Distribution of Expenses by Source of Payment: United States, 2010. Medical Expenditure Panel Survey Household Component Data. Generated interactively. Accessed 07/31/13.|
|Hospital Inpatient Services||15,792||22,118|
|Home Health Services||5,066||7,312|
|Hospital Outpatient Services||2,529||3,103|
|Office-Based Medical Services||1,645||1,455|
|Emergency Room Services||1,451||1,655|
|Total Health Care Services||6,066||5,547|