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Out-of-Pocket Health Cost: Who is at Risk of Having High Financial Burdens?
National Bureau of Economic Research [NBER] 
Mar. 15, 2005
Excerpt: We examined characteristics of people with little, moderate, and high burden of out-of-pocket health spending separately for low-income ... and higher-income populations. We find that public insurance appears to offer the best financial protection against high out-of-pocket burden. People with private non-group coverage, regardless of their income levels, have the highest risk of being exposed to high out-of-pocket burden. Low-income adults with employer-sponsored insurance are[.]
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