Changes in Family Income, U. S

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Challenges in Implementing Reforms for People with Income and Employment Changes Pamela Farley Short Penn State University.

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Exhibit 1. Low-Income Adults Have Higher Rates of Being Uninsured for Long Periods of Time * Combines Insured now, time uninsured in past year and Uninsured.

Exhibit 1 After The End of the Affordable Care Act’s Third Open Enrollment Period, the Percentage of Uninsured U.S. Adults Was 12.7 Percent Percent of.

At Least Half of Uninsured Adults Are Likely Eligible for Marketplace Subsidies or Medicaid Eligible for unsubsidized coverage through the individual market.

Subsidized private insurance

Adults Who Received Personal Assistance Were More Likely to Enroll

Among Marketplace Visitors Who Did Not Enroll or Get Coverage Elsewhere, Three-Quarters Said They Could Not Find an Affordable Plan Can you tell me the.

More Than One-Quarter of Insured Adults Were Underinsured in 2016

Lower-Income Adults with Marketplace Plans More Likely to View Their Premiums as Affordable Than Adults with Higher Incomes How easy or difficult is it.

Exhibit 1 The Number of Uninsured People Under Age 65 Declined to 27.5 Million in 2016 Source: Source: U.S. Census Bureau, 2013, 2014, 2015, and 2016.

Underinsured Rates by Source of Coverage

CBO Projects the Number of People Without Health Insurance Would Nearly Double to 51 Million by 2026 Under the AHCA Difference of 23 million by 2026 Congressional.

Uninsured Adults and Those with Coverage Gaps Reported Medical Bill Problems at Higher Rates Than Did Those Continuously Insured, 2016 Percent of adults.

Fair/poor health status or any chronic condition**

Percent of uninsured adults ages 19–64 Income level Race Age Firm size

The uninsured rate among working-age adults increased to 15.5 percent

Paid less than $125 Percent of adults ages 19–64 with single policies

250% FPL or more Total Less than 250% FPL

Overall, how satisfied are you with your health insurance?

Ratings of the Overall Marketplace Shopping Experience Were Higher Among Those Who Enrolled Compared to Those Who Did Not Enroll Overall, how would you.

State Uninsured Rates by Poverty and Firm Size

Across Income Groups, Increasing Numbers of U. S

The ACA’s Individual Market Reforms and Subsidies Have Made It Easier for People to Buy Health Plans on Their Own Total Health problem**

High Deductibles Relative to Income by Coverage Source

Adults ages 19–64 who visited the marketplace

Percent adults ages 19–64 who pay all or some of premium

Four of Five Adults with New Coverage Said They Were Very or Somewhat Optimistic That Their New Coverage Would Improve Their Ability to Get the Care.

Most Adults with Marketplace or Medicaid Coverage Who Have Used Their Plans Were Satisfied with the Doctors Covered Since you switched/gained your insurance,

Distribution of 8.6 Million Uninsured Adults Ages 50–64 by Federal Poverty Level and Provisions of the Affordable Care Act Uninsured adults ages 50–64.

Exhibit 1 Impact of Clinton’s Proposed Reforms on the Number of People with Insurance Coverage, U.S. Population Under Age 65, 2018 Number of insured, in.

Percentage-point reduction in uninsured adults between 2012 and 2014

A plan with the type of coverage you need

Adults with marketplace plans or Medicaid express the least confidence in being able to keep their coverage in the future. You said you currently have.

SCI State Presentation September 26, 2007

Deductibles Have Become a Growing Factor in Underinsurance Rates

Underinsured Rates Among Adults Who Were Insured All Year by Source of Coverage at the Time of the Survey Percent adults insured all year ages 19–64 who.

Two of Five Insured Adults with Incomes Below the Federal Poverty Level Spent 5 Percent or More of Their Income on Medical Out-of-Pocket Costs Percent.

Fewer Than Half of Adults Said It Was Easy to Find an Affordable Plan

Percent uninsured 200% FPL or more 32% Less than 100% FPL 39% 100%–

Public Plan at Medicare Rates Public Plan at Intermediate Rates

Percent of adults ages 19–64* Total <133% FPL 133%–249% FPL

About Three of Five Privately Insured Adults with Low Incomes Reported That It Was Difficult or Impossible to Afford Their Deductible How easy or difficult.

Adults ages 19–64 with either marketplace or employer coverage

Seven of 10 Adults with Marketplace Plans Rate Their Coverage as Excellent, Very Good, or Good Now thinking about (your current health insurance coverage/

Medicaid <133% FPL 26 million

More Adults with Lower Incomes Found It Easy to Find an Affordable Plan Than Did Adults with Higher Incomes How easy or difficult was it to find a plan.

Uninsured Adults with Low and Moderate Incomes Are Less Likely to Be Up to Date with Recommended Preventive Tests Percent of adults ages 19–64, income.

Adults ages 19–64 with individual coverage

Two of Five Adults Uninsured or Underinsured 25 Million Underinsured 60 Percent Increase in Underinsured from 2003 to 2007 Percent of adults (ages 19–64)

133%–249% FPL 3.4 million 23% 250%–399% FPL 1.5 million 10%

Adults Ages 19–64 Who Are Uninsured and Underinsured, by Poverty Status, 2003 *Underinsured defined as insured all year but experienced one of the following:

Overall, how satisfied are you with this new health insurance?

Percent of adults ages 19–64 Total <200% FPL 200% FPL or more

Under the health reform law, many provisions will make it easier for young adults to remain covered after they graduate. Do you think this is a major improvement.

Uninsured young adults = 13.2 million

Premium tax credits have made the cost of marketplace plans similar to employer plans for low-income adults, but adults with higher incomes pay more Percent.

Figure 4. Profile of Medicare Elderly Beneficiaries and Employer Coverage Nonelderly, by Poverty and Health Status, 2003 Health problems, lower income.

Premium Affordability: Insurance-Related Premium Subsidies

Number of employees in firm

Larger Shares of Adults with Marketplace Coverage Have Plans with High Deductibles Compared to Those with Employer Plans No deductible Less than $1,000.

Ineligible, small-firm worker

Adults ages 19–64 who are uninsured or have individual coverage

Have you gone to this new marketplace to shop for health insurance

When Low-Income Adults Have a Medical Home and Insurance, Their Rates of Having Cost-Related Access Problems Decline Percent of adults ages 19–64 with.

Percent adults insured all year ages 19–64 who were underinsured*

Percent of adults ages 19–64 insured all year who were underinsured

Reasons for Loss of Employer-Sponsored Insurance and Medicaid

Premium contribution as a share of income

High Deductibles Relative to Income by Coverage Source at the Time of the Survey Percent with deductibles that are 5% or more of income, adults ages 19–64.

Uninsured young adults ages 19–29 Federal Poverty Level Percent

Presentation transcript:

Changes in Family Income, U. S Changes in Family Income, U.S. Population Under Age 65, by Poverty Status, 2005 to 2006 2005 2006 7% moved to 200%–399% FPL Of adults under age 65 with incomes <133% FPL 76% remained at <133% FPL Of adults under age 65 with incomes 133%–199% FPL Of adults under age 65 with incomes 200%–399% FPL Of adults under age 65 with incomes >400% FPL 1% moved to 133%–199% FPL Note: FPL refers to federal poverty level. Source: P. F. Short, K. Swartz, N. Uberoi et al., Realizing Health Reform's Potential: Maintaining Coverage, Affordability, and Shared Responsibility When Income and Employment Change (New York: The Commonwealth Fund, May 2011).