Percent of adults ages 19–29 70 48 39 28 22

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Presentation transcript:

Nearly Two of Five Young Adults Spent Some Time Uninsured in the Past Year Percent of adults ages 19–29 70 48 39 28 22 Notes: FPL refers to federal poverty level. Numbers may not sum to bar total because of rounding. Source: The Commonwealth Fund Health Insurance Tracking Survey of Young Adults, 2011.

Distribution of 10.4 million uninsured* adults ages 19–29 Nearly Three-Quarters of Uninsured Young Adults Had Incomes Under 250 Percent of Poverty 400%+ FPL 14% 250%–399% FPL 15% <133% FPL 45% 133%–249% FPL 27% Distribution of 10.4 million uninsured* adults ages 19–29 * Uninsured indicates uninsured at the time of the survey. Notes: FPL refers to federal poverty level. Numbers may not sum to 100 because of rounding. Source: The Commonwealth Fund Health Insurance Tracking Survey of Young Adults, 2011.

Half of Young Adults Who Lost a Job with Health Benefits from November 2009 to November 2011 Became Uninsured Became uninsured 52% Adults ages 19–29 who had insurance through job When you lost your job, what happened to your health insurance? Had insurance through job 31% Did not have insurance through job 68% Adults ages 19–29 who lost a job in the past two years COBRA 16% Found insurance through other source 13% Went on parent’s insurance 14% Went on spouse/ partner’s insurance 5% Refused 1% n.b. % with insurance through job that was lost can also be shown for <250%FPL and 250%+ <250%FPL – 22% had insurance through job that was lost 250%+ - 46% had insurance through job that was lost Source: The Commonwealth Fund Health Insurance Tracking Survey of Young Adults, 2011.

Two of Five Young Adults Experienced a Cost-Related Problem Getting Needed Care Percent of adults ages 19–29 who experienced the following access problems in the past year because of cost: * Experienced any of the following because of cost: did not fill a prescription; skipped a recommended test, treatment, or follow-up; had a medical problem, did not visit a doctor or clinic; did not get needed specialist care. Source: The Commonwealth Fund Health Insurance Tracking Survey of Young Adults, 2011.

More Than One-Third of Young Adults Experienced a Medical Bill Problem or Were Paying Off Medical Debt Percent of adults ages 19–29 who experienced the following medical bill problems or accrued medical debt in the past year: * Experienced any of the following in the past year: had problems paying medical bills; contacted by a collection agency for unpaid bills; had to change way of life to pay bills; is paying off medical bills/debt over time. Source: The Commonwealth Fund Health Insurance Tracking Survey of Young Adults, 2011.

Young Adults with Low and Moderate Incomes, Both Insured and Uninsured, Reported Medical Bill and Debt Problems at Highest Rates Percent of adults ages 19–29 who experienced a medical bill problem or accrued medical debt in the past year* Note: FPL refers to federal poverty level. * Experienced any of the following in the past year: had problems paying medical bills; contacted by a collection agency for unpaid bills; had to change way of life to pay bills; is paying off medical bills/debt over time. ** Combines “Insured now, time uninsured in past year” and “Uninsured now”. Source: The Commonwealth Fund Health Insurance Tracking Survey of Young Adults, 2011.

Two of Five Young Adults with Medical Bill Problems or Debt Used Up All Their Savings Because of Their Bills or Debt Percent of adults ages 19–29 with medical bill problems or accrued medical debt* Percent of young adults with medical bill problems or debt reporting: Total <133% FPL 133%–399% FPL 400%+ FPL Unable to pay for basic necessities such as food, heat, or rent 28% 37% 27% 21% Used all of savings 43 42 44 Asked parents/family for help 37 36 Took on credit card debt 33 19 38 Unable to meet other debt obligations such as loans/tuition payments 32 39 24 Delayed education/career plans 31 28 Any of the above 70 72 66 Note: FPL refers to federal poverty level. * Base: Had problems paying or unable to pay medical bills; were contacted by a collection agency for unpaid medical bills; had to change way of life to pay bills; had medical bills or debt being paid off over time. Source: The Commonwealth Fund Health Insurance Tracking Survey of Young Adults, 2011.

Premium contribution as a share of income Premium Tax Credits and Cost-Sharing Protections Under the Affordable Care Act Federal poverty level Income Premium contribution as a share of income Out-of- pocket limits Actuarial value: Silver plan <133% S: <$14,484 F: <$29,726 2% (or Medicaid) S: $1,983 F: $3,967 94% 133%–149% S: $14,484 – <$16,335 F: $29,726 – <$33,525 3.0%–4.0% 150%–199% S: $16,335 – <$21,780 F: $33,525 – <$44,700 4.0%–6.3% 87% 200%–249% S: $21,780 – <$27,225 F: $44,700 – <$55,875 6.3%–8.05% S: $2,975 F: $5,950 73% 250%–299% S: $27,225 – <$32,670 F: $55,875 – <$67,050 8.05%–9.5% 70% 300%–399% S: $32,670 – <$43,560 F: $67,050 – <$89,400 9.5% S: $3,967 F: $7,933 400%+ S: $43,560+ F: $89,400+ — S: $5,950 F: $11,900 Four levels of cost-sharing: 1st tier (Bronze) actuarial value: 60% 2nd tier (Silver) actuarial value: 70% 3rd tier (Gold) actuarial value: 80% 4th tier (Platinum) actuarial value: 90% Catastrophic policy with essential benefits package available to young adults and people who cannot find plan premium <8% of income Notes: FPL refers to federal poverty level; levels are for 2011. Actuarial values are the average percent of medical costs covered by a health plan. Premium and cost-sharing credits are for the Silver plan. Source: Commonwealth Fund Health Reform Resource Center: What’s in the Affordable Care Act? (PL 111-148 and 111-152), http://www.commonwealthfund.org/Health-Reform/Health-Reform-Resource.aspx.