Predictors of out-of-pocket medical expenditures in low-income households

From a sample of low-income households, out-of-pocket medical expenses are found to average about $25 per month. For each household, these expenses vary with annual income, type of insurance for medical care, priority of medical expenses, ethnicity, and number of ill family members. Expenses are reported for households with different socioeconomic characteristics and composition. Multiparticipation in insurance programs is shown. Fourteen percent of the survey participants say they have no insurance, public or private. Thirty-three percent participate in Medicaid.Flora L. Williams is an Associate Professor in Consumer Sciences and Retailing at Purdue University, West Lafayette, IN 47907. She received her Ph.D. from Purdue University and includes family economic well-being, and financial problems and expenditures among her research interests.Amy Hagler received her M.S. from Purdue University in Consumer Sciences and Retailing.Mary Pritchard is an Associate Professor in the Department of Human and Family Resources at Northern Illinois University, DeKalb, IL 60115-2854. Her Ph.D. was earned at Purdue and her areas of research focus on family economic well-being and economic socialization of adolescents.Marshall A. Martin is a Professor of Agricultural Economics at Purdue University. His research addresses agriculture and food policy, and economic assessment of emerging agricultural technology.William C. Bailey is an Assistant Professor of Marketing at the University of Indianapolis, 1400 E. Hanna Avenue, Indianapolis, IN, 46227-3697. He received his Ph.D. from Texas Tech University and focuses his research on economic psychology and health care cost.