Congress is currently debating the contents of a large social spending bill that would, among other things, help millions of people gain access to health insurance. This thread explains why making these changes is important for the health of millions of people.
Two of the changes under consideration would make the premium subsidies in the American Rescue Plan Act (ARPA) permanent and provide poor people in the 12 states that haven’t expanded #Medicaid access to subsidized marketplace coverage.
Recent U.S. Census data show that nearly 4 of 10 poor adults living in Medicaid nonexpansion states are uninsured, more than twice the rate of those in states that have expanded Medicaid. Moreover this gap is growing as more people in nonexpansion states become uninsured.
As you can see in the exhibit below, poor people would make the biggest gains in health insurance coverage.
Coverage gains from filling the Medicaid coverage gap and making the subsidies permanent would decrease the number of uninsured across all races and ethnicities.
People in Medicaid nonexpansion states would see the biggest gains in coverage as a result of filling the Medicaid coverage gap and making the ARPA subsidies permanent, the number of uninsured would drop by 30% or more in FL, KS, TX, NC, SD, SC, GA, TN, MI, AL.
Expanding Medicaid and marketplace coverage will extend the safety net coverage that proved so important during the pandemic to more people.
Older adults below Medicare age eligibility have the largest enrollment in the marketplace; making premiums more affordable will ease their financial burdens and help those retiring before Medicare age afford their health care.
Continuous, comprehensive and affordable health insurance and health care is associated with fewer preventable deaths and improved life expectancy. Expanding health insurance isn’t the only solution, but it is a necessary one.
For more updates on research on health care coverage and access, join our mailing list at the bottom of this page: commonwealthfund.org/coverage-and-a…
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What would happen if the US made the enhanced premium subsidies in the American Rescue Plan Act permanent and extended the marketplace subsidies that fill the #Medicaid “coverage gap” in 12 states?
A thread.
According to a new analysis from @UrbanInstitute and @CommonwealthFnd, adopting these #healthinsurance reforms would reduce the number of people without insurance by nearly one-quarter in 2022 – falling by 7 million, from 30.3 million to 23.3 million
Adopting these reforms could improve the lives of 5.8 million uninsured adults living in the 12 nonexpansion states who have incomes too high for #Medicaid but not high enough to qualify for marketplace premium subsidies.
What did health insurance coverage look like for U.S. adults in the first half of 2020 as the country slid into the worst public health and economic crises in generations?
See our latest @CommonwealthFnd Biennial Health Insurance Survey commonwealthfund.org/publications/i…
Conducted since 2001, the Biennial uses three measures to gauge the adequacy of insurance coverage:
•whether people have insurance
•if insured, whether they had a gap in coverage in last year
•if insured, whether out-of-pocket costs & deductibles leave them underinsured
In the first half of 2020, 43.4% of U.S. working age adults were inadequately insured: 12.5% were uninsured, 9.5% were insured but had a gap in coverage in the past year, 21.3 percent were underinsured, all statistically unchanged from 2018.
The Trump Administration’s support for invalidating the pre-existing condition protections of the ACA has triggered some odd reminiscences of what the pre-ACA individual market looked like. commonwealthfund.org/blog/2018/two-…
Some have even said that the market worked better then.
To refresh our memories, I looked back at the Commonwealth Fund Biennial Health Insurance Survey of 2010, before the ACA individual market reforms of 2014.