Exploring the characteristics of the high-cost population from the family perspective: a cross-sectional study in Jiangsu Province, China

BACKGROUND: Across a range of healthcare settings, 5% of the population accounts for half of healthcare spending: these patients are identified as a ‘high-cost population’. Characterising high-cost users is essential for predicting potential high-cost patients and the development of appropriate interventions to improve the management and financing of these patients. OBJECTIVE: This cross-sectional study aimed to explore the characteristics of this high-cost population from a family perspective in China and provide suggestions for social health insurance policy development. METHODS: This study used data from the Fifth Health Service Investigation of Jiangsu Province (2013), and 12 600 families were enrolled for analysis. Households whose medical expenditures were among the top 5% were identified to be high-cost families. A t-test, a Χ(2) test, and a binary logistic regression were used. RESULTS: High-cost families (n=631, 5%) accounted for 44.9% of the total medical expenditure of sampled families. High-cost families had 3.2 members and 1.2 chronic disease patients per household, which is significantly more than the 2.9 members and 0.7 people in the remaining families, respectively (p<0.05). Bi-weekly emergency department visits and annual hospitalisations preceding the household investigation of high-cost families were 1.19 and 0.98 per household, which is significantly more than the 0.68 and 0.17 of the remaining families, respectively (p<0.05). A binary logistic regression indicated that the number of family members (OR 1.152), the number of chronic disease patients (OR 1.508), bi-weekly emergency department visits (OR 1.218), and annual hospitalisations (OR 4.577) were associated with high costs. CONCLUSION: The 5% high-cost families in Jiangsu Province accounted for approximately half of medical expenditures. The effectiveness of Chinese Social Health Insurance in lowering high-cost families’ risk of catastrophic health expenditure was modest. Policymakers need to ascertain the priority of lowering the burden of high-cost families’ out-of-pocket expenses through improving the reimbursement proportion and reducing avoidable medical services.