People Percent of population Millions 2012 National 2012 Lowest state

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Exhibit ES-1. Summary Highlights: National and State-Level Estimates, Under-65 Population PeoplePercent of population Millions 2012 National 2012 Lowest.

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Exhibit 1. Estimated Source of Insurance Coverage, 2014 Note: The number of uninsured in 2014 was calculated using CPS estimates for 2013 minus an estimated.

Chapter 4: Overview of the Health Care System Chapter Overview Chapter 4 is intended to provide a general understanding of how the health care system.

THE COMMONWEALTH FUND Exhibit 1. Employer Coverage Continues to Be Major Source of Coverage for Employees of Larger Firms Percent of firms offering health.

AFFORDABLE CARE ACT CONSUMER IMPACT. WHAT’S CHANGING WITH THE ACA? What’s not changing with the ACA? Will have broad impact that affects some population.

Medicare Beneficiaries Are at Risk for High Costs Nearly one in four is underinsured (average 2013–14) BeneficiariesPercent of Medicare population Millions.

Out of Pocket Burdens for Health Care: Insured, Uninsured, and Underinsured Jessica Banthin, Ph.D. September 23, 2008.

The AFFORDABLE CARE ACT vs. AHCA

Percent of Medicare population

Change in Benchmark Silver Premiums, 2014 – 2015 Percent change in second-lowest silver plan, by county in 50 states and the District of Columbia Note:

Nonelderly uninsured = 46.4 million

Among Marketplace Visitors Who Neither Enrolled nor Got Coverage from Another Source, Most Said They Could Not Find an Affordable Plan Can you tell me.

Adults with Medical Bill Problems Had Lingering Financial Problems

Combined Employee Premium Contribution and Deductible as a Share of Median Family Income Average employee share of premium plus average deductible as percent.

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

Subsidized private insurance

Medicare Household Spending Non-Medicare Household Spending

Nearly a Quarter of Underinsured Adults with Health Problems Skimped on Medications or Got Care in a Hospital or Emergency Department Percent adults ages.

Exhibit 1 Medicare Beneficiaries Spending 20 Percent or More of Income on Premiums and Care, by Poverty Level Percent of Medicare beneficiaries Note: FPL.

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.

Reduction Across States in Percentage of People Under Age 65 Who Spent a Large Share of Income on Medical Care Relative to Income 2013– –16 10%–11%

Underinsured Rates by Source of Coverage

Employee premium contribution

Percent of population under age 65 uninsured, 2013−2016

Exhibit 3 Change in Probability That Out-of-Pocket Spending Equals or Exceeds Thresholds as Marketplace Enrollment Increases As enrollment increases from.

Fair/poor health status or any chronic condition**

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

Share of median income (%)

Change in Health System Performance, by Access Indicator, 2013–2016

Across Income Groups, Increasing Numbers of U. S

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

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

Health Insurance Coverage and Uninsured Trends

Jessica Banthin, Ph.D December 11, 2007

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.

Distribution of Uninsured or Underinsured by Poverty, 2012

Insurance Sources for Young Adults, Ages 19–23, 2006

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.

Inadequate Coverage Is Associated with More Problems Paying Medical Bills Percent of adults ages 19–64 who had medical bill or debt problems in past year*

The Growing Cost Burden of Employer Health Insurance for U. S

Since the ACA, Fewer Adults Are Uninsured, but More Are Underinsured

16 Million Adults Under Age 65 Were Underinsured in 2005

Premium and deductible costs amounted to nearly 12 percent of median income in Combined employee premium contribution and deductible as share of.

Adequately insured 48% Uninsured anytime 15% Uninsured anytime 36%

Inadequate Coverage Is Associated with More Cost-Related Problems Getting Needed Care Percent of adults ages 19–64 who had any of four access problems.

25 Million Adults Underinsured in 2007, Up from 16 Million in 2003

Subsidized private insurance

Total Population = 299 million Under-65 Population = 260 million

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)

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:

The Number of Underinsured Adults Under Age 65 Rose to 25 Million in 2007, Up from 16 Million in 2003 Percent of adults ages 19– Total.

Uninsured young adults = 13.2 million

Reasons for Not Enrolling in October Included Uncertainty over Affordability, Still Deciding Among Plans, and Website Technical Difficulties Can you tell.

The Share of Women Spending 10 Percent or More of Their Income on Health Care Climbed over the Past Decade, Especially for Women with Low Incomes Percent.

Households with employer coverage can spend thousands of dollars on premiums and out-of-pocket costs. Distribution of spending on premiums and out-of-pocket.

Percent of adults ages 19–64

More Than Three of Five Adults Who Selected a Private Plan or Enrolled in Medicaid Were Uninsured Prior to Gaining Coverage What type of health insurance.

Percent of adults ages 19–64

Under the Affordable Care Act, Young Adults Will Benefit from Newly Subsidized Sources of Health Insurance Percent of young adults ages 19–29 Total

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

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

A Majority of Adults Potentially Eligible for Coverage Who Have Not Yet Enrolled Say They Are Likely to Shop for Coverage by March 31, 2014 The enrollment.

Small Business Tax Credit as a Percent (Maximum of 35%) of Employer Contribution to Premiums, For-Profit Firms (2010–2013) and Nonprofit Firms (2014+)

Small Business Tax Credit as a Percent (Maximum of 50%) of Employer Contribution to Premiums, For-Profit Firms (2014+) Average Wage Firm Size Up to $25,000.

Employee premium contribution as share of median income

Uninsured young adults ages 19–29 Federal Poverty Level Percent

The first map shows the 2013 Medicaid eligibility thresholds for working parents of Medicaid-eligible children. (In almost all states, limited-income adults.

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Summary Highlights: National and State-Level Estimates, Under-65 Population People Percent of population Millions 2012 National 2012 Lowest state Highest state Total: Insured but underinsured* or uninsured 79.0 29.5% 14% 38% Insured but underinsured 31.7 11.8% 8% 17% Uninsured 47.3 17.7% 4% 27% Premiums exceed ACA thresholds** 29.2 10.9% 7% * Underinsured defined as insured in household that spent 10% or more of income on medical care (excluding premiums) or 5% or more if income under 200% poverty. ** Affordable Care Act thresholds refers to the maximum premium contribution as a share of income in marketplaces or Medicaid. Data source: March 2012 and 2013 Current Population Surveys.