One Year In: Americans Respond to the Affordable Care Act. With Focus on Women, Millennials, Latinos, and African Americans

Size: px
Start display at page:

Download "One Year In: Americans Respond to the Affordable Care Act. With Focus on Women, Millennials, Latinos, and African Americans"

Transcription

1 One Year In: Americans Respond to the Affordable Care Act With Focus on Women, Millennials, Latinos, and African Americans January 2015

2 2014 was a seminal year in the world of health care coverage. With the implementation of the Affordable Care Act (ACA), we have seen significant reductions in the number of uninsured, as newly eligible Americans take advantage of expanded private and public health coverage in order to comply with the health coverage mandate. As part of the Second Annual report by the Transamerica Center for Health Studies SM, we see how different racial, ethnic, gender, and generational groups are taking advantage of expanded coverage, how they are getting their information about the ACA, and examine some of the continued obstacles to expanding health care coverage. Expanding coverage: About one-third of America s uninsured have obtained coverage since November Overall, the uninsured population has fallen from 22% to 15%. Clearly, more Americans who were previously without health insurance coverage now have coverage. The newly insured are enrolling through expanded government programs, private insurance coverage offered through state or federal government Exchanges, or their employer or family plan. Likelihood of receiving health insurance benefits from an employer Remaining uninsured individuals are more likely to be women, Millennials, Latino, and African American. Latinos make up just 17% of the population in the United States, but comprise 31% of those who still do not have health coverage. African Americans are also disproportionately likely to not covered, making up 13% percent of the U.S. population, but 15% of the uninsured. Women are less likely than men to have health coverage. Of the 10 million Americans who signed up for new health care coverage last year, 54% were women. Despite signing up at a higher rate than the general population women continue to be more likely to be uninsured than men. The TCHS survey found that of the remaining uninsured, 59% are women. Women are also less likely than men to receive insurance through an employer. 2

3 Young adults are less likely than other age groups to have health insurance. The uninsured population is disproportionately comprised of young adults. Americans between the ages of account for 44% of those without coverage, even though they are just 33% of the overall U.S. population. Cost continues to be a major obstacle for the remaining uninsured. More than half of those who still lack coverage say they cannot afford even a $100 monthly insurance premium. The median household income of those without health insurance ($37,300) was higher than that of newly insured ($33,200), suggesting an affordability gap for middle-income Americans. These are people who may make too much money to qualify for subsidized coverage, but feel they cannot afford the expenses of health care coverage. Penalties are not always a deterrent. While many of those surveyed said they were unaware of the penalty for not having coverage that complies with the ACA (22% of the uninsured population), others said it was cheaper to pay the fine than to pay for coverage (27% of the uninsured population). Outreach continues to be an issue. Large numbers of the uninsured are unaware of the expanded eligibility for government and private insurance. Over half (54%) of the uninsured were uninformed of the government Exchanges that offer subsidized coverage for those with an income of up to 400% ($46,680 for an individual in 2015) of the federal poverty level. Among those who remain uninsured even after the individual mandate, more than one-fifth were not aware of the ACA mandate for individuals. Nearly two-thirds of the newly insured are covered by a government sponsored plan. Health Exchanges, employer and family plans, and government-sponsored plans are all playing significant roles in expanded coverage. Here s how the newly insured are obtaining coverage: 30% purchased private health insurance through state or federal Exchanges 28% applied for new health coverage through a government-sponsored program 33% obtained health insurance through an employer or family member s plan Technology and the ACA. Online research is a top source for education about the Affordable Care Act. However, different age and ethnic groups get their information in slightly different ways. African Americans, Latinos and Millennials are all more likely to use mobile devices for their 3

4 research than the general population. When researching health and health related information, 23% of adults use smartphones, and 15% use tablets. Among Latinos, 38% use smartphones for health related research compared to 23% of the general population. Millennials: 41% of young adults use smartphones to research health care information, while 22% use tablets. Millennials are more likely than the general population to obtain health and health care related information through a variety of Internet-based and social media sources. African Americans are also more likely to use smart phones or tablets than the general population: 29% use smartphones and 31% use tablets. Say they obtain health care related information from: Internet searches (28%), social media (11%), YouTube (8%), online discussion boards and blogs (14%) were all important sources for young people looking to obtain information about health coverage. Millennials are also receiving health care related information from friends and family (28%), co-workers (11%) and financial advisors (5%) at a higher rate than older generations. 4

5 More details on how various gender, ethnic, and generational groups are faring one year after implementation of the Affordable Care Act. Women Of the 10 million Americans who signed up for new health care coverage last year, 54% percent were women. According to the U.S. Census Bureau, women make up 51% of the population. Women are more likely than men to have used physicians, nurses or health care professionals to gather information on health, health insurance and the health care system in the past 12 months. One third of women surveyed visited a provider or sought out health information compared to just 26% of men. Despite using health care more frequently and enrolling at a higher rate, women still reported feeling uninformed about the ACA. Just 51% of women said they had sufficient information about the Affordable Care Act, compared to 64% of men surveyed. Women have signed up for health coverage through a government Exchange at a much higher rate than men. Of those who have selected a Marketplace plan, 54% are women. Women were more likely to report that making a positive personal health change this year is a top priority. 25% of females cite making personal health changes (e.g. losing weight, quitting smoking) as their most important health-related priority right now, compared to just 21% of men. Latinos The ACA has had perhaps its most dramatic impact on the Latino population. More than four out of every ten Latino respondents (41%) acquired new health insurance within the past 12 months compared to 31% of the general population. 5

6 Latinos were less likely than the general population to receive health insurance benefits from an employer. Just 48% of Latinos receive work-related coverage, compared to 56% of the general population. The TCHS survey found that many Latinos do not sign up for employer-based health coverage, even when it is offered. Those who are offered major medical benefits through work only enroll in it 39% of the time, which is far less than the general population (54%). Latinos are more likely than the general population to receive coverage from their trade union, Medicaid or Medicare, or as a dependent or spouse. African Americans Likelihood of being publicly insured African Americans are significantly more likely to be uninsured or publicly insured than the general population. Among African Americans, 20% have no health coverage, while 19% have some form of public insurance. This is compared to the general population where 15% have no health coverage, and14% obtain insurance through a government program. Despite these results, an overwhelming majority of African Americans say they are satisfied with the quality of the health care system they have access to today. Additionally 87% of those surveyed said they are satisfied with their options, compared to 78% of the general population. African Americans are significantly less likely to rate themselves in good or excellent health (69%) than the general population (78%). They also cite making personal health changes (e.g. losing weight, quitting smoking) as their most important health-related priority (31%) more often than the general population (23%). They also value follow-up care to keep people on the right track, with 25% associating follow-ups with quality of health care compared to 18% of the general population. 6

7 Cost remains a major obstacle to coverage and quality care in the African American community. African Americans are less likely to be saving for health expenses (18%) than the general population (22%) and are less likely to be able to afford routine health care expenses (63%) than other adults (72%). 44% of African Americans indicated they would not be able to afford premiums of $100 per month, while only 29% of all adults said the same. Millennials Among adults aged 18 to 34, health coverage is on the rise. Of the % of Millennials surveyed, 39% said they acquired new health insurance within the past 12 months compared to just 31% of the general population. However, many younger Americans are voluntarily choosing to go without health insurance. Among young adults, 21% say they don t need health coverage. Millennials are more likely to rate themselves in excellent health (30%) than the general population (21%). Millennials are also buying less comprehensive coverage than other age groups. Many (55%) say their top health-related priority is staying healthy and covering basic preventive healthcare expenses compared to 47% of the general population with these priorities. Even though Millennials report being healthier and insured at a lower rate than older generations, they are doing more research as they enter the workforce to try to navigate the complex health insurance market for the first time. Despite their research, Millennials feel less informed about their current health insurance options than the general population. Just 64% of young adults said they feel very or somewhat informed about their health care options, compared to 72% of all adults. 7

8 About the Author Hector De La Torre is the Executive Director of the Transamerica Center for Health Studies, a national nonprofit focused on helping consumers and businesses navigate the health care landscape. De La Torre was chosen to lead this new initiative because of his private and public sector experience, particularly his leadership role on health care and advocating for consumers and businesses. Among his accomplishments as an elected official were expanding access to doctors in underserved communities, consumer protections against retroactive cancellation of health insurance, and supporting improvements at Children s Hospitals. De La Torre is also a member of the Board of Trustees at Occidental College in Los Angeles, serves on the California Air Resources Board (CARB) as a gubernatorial appointee, and serves on the Board of L.A. Care. De La Torre served as a State Assemblymember for California s 50th District from Prior to that, he was Mayor and Councilmember in his hometown of South Gate. De La Torre was also a Manager at the County of Los Angeles Superior Court and served as Manager at Southern California Edison. Previous to those positions, he was Assistant/Chief of Staff to the Deputy Secretary at the U.S. Department of Labor. About Transamerica Center for Health Studies SM The Transamerica Center for Health Studies SM (TCHS) informs the national health care conversation by bringing clarity to the complex decision-making regarding health coverage and personal health and wellness. The Transamerica Center for Health Studies (TCHS) is focused on empowering consumers and employers so that they can achieve the best value and protection from their health coverage, as well as the best outcomes in their personal health and wellness. Through its broad-based analysis and research findings, the Transamerica Center for Health Studies offers consumers and employers a guide to navigate the financial implications of the health care decisions they are facing. The Transamerica Center for Health Studies (TCHS) is a division of the Transamerica Institute, a nonprofit, private foundation. The Transamerica Center for Health Studies (TCHS) is a division of the Transamerica Institute, a nonprofit, private foundation. The Transamerica Institute is funded by contributions from Transamerica Life Insurance Company (not a major medical insurer) and its affiliates and may receive funds from unaffiliated third parties. 8

9 About One Year In As a follow up to a survey conducted in September 2013 that measured individuals and businesses knowledge of and preparedness for the Affordable Care Act, the Transamerica Center for Health Studies commissioned Harris Poll to conduct two surveys. One Year In: Americans Respond to the Affordable Care Act and One Year In: Businesses Respond to the Affordable Care Act. The general population survey was fielded between July 14 and July 25, 2014 among a nationally representative sample of 2,624 of the U.S. general population age Results were weighted (statistically adjusted) as needed on income, education, gender, race/ethnicity, region, employment status, number of employees in a company and health insurance status. Contact Info: Follow us on Follow us on Twitter in 9

Pulse Check on Health Care Coverage - General Population

Pulse Check on Health Care Coverage - General Population Transamerica Center for Health Studies SM Survey: Pulse Check on Health Care Coverage - General Population January 2015 Table of Contents About the Transamerica Center for Health Studies SM Page 3 About

More information

One Year In: Americans Respond to the Affordable Care Act

One Year In: Americans Respond to the Affordable Care Act One Year In: Americans Respond to the Affordable Care Act Transamerica Center for Health Studies SM Survey September 2014 Table of Contents About the Transamerica Center for Health Studies SM Page 3 About

More information

Benchmark on Health Care Coverage Perceptions and Readiness

Benchmark on Health Care Coverage Perceptions and Readiness Benchmark on Health Care Coverage Perceptions and Readiness The First Annual Transamerica Center for Health Studies SM Survey September 2013 Transamerica Center for Health Studies, 2013 Transamerica Center

More information

Inside the Uninsured

Inside the Uninsured Health & Life Sciences point of view Inside the Uninsured Oliver Wyman s new survey of Americans without health insurance finds them ready to participate in healthcare reform, open to innovation, but extremely

More information

Affordable Care Act Consumer Survey

Affordable Care Act Consumer Survey Affordable Care Act Consumer Survey Survey Findings 2014 The Tax Institute at H&R Block ABOUT THE TAX INSTITUTE AT H&R BLOCK The Tax Institute at H&R Block is the go-to source for objective insights on

More information

2015 OEP: Insight into consumer behavior

2015 OEP: Insight into consumer behavior 2015 OEP: Insight into consumer behavior Center for U.S. Health System Reform March 11, 2015 OVERVIEW As the Affordable Care Act s (ACA s) second individual market open enrollment period (OEP) came to

More information

california Health Care Almanac California s Uninsured

california Health Care Almanac California s Uninsured california Health Care Almanac december 2011 Introduction Over the past two decades, California has seen an increase in the percentage of people who are uninsured. California now has the largest number

More information

Issue Brief. Women and Health Coverage: The Affordability Gap. Elizabeth M. Patchias and Judy Waxman National Women s Law Center * * * * *

Issue Brief. Women and Health Coverage: The Affordability Gap. Elizabeth M. Patchias and Judy Waxman National Women s Law Center * * * * * APRIL 2007 Issue Brief Women and Health Coverage: The Affordability Gap Elizabeth M. Patchias and Judy Waxman National Women s Law Center For more information about this study, please contact: Elizabeth

More information

You and Healthcare Reform. You and your benefits through The Distirct. You and Insurance Marketplaces (Exchanges)

You and Healthcare Reform. You and your benefits through The Distirct. You and Insurance Marketplaces (Exchanges) You and Healthcare Reform The Patient Protection and Affordable Care Act (PPACA, also known as Healthcare Reform) is a set of laws that affect healthcare coverage in the United States. While there is a

More information

One Year In: Businesses Respond to the Affordable Care Act

One Year In: Businesses Respond to the Affordable Care Act One Year In: Businesses Respond to the Affordable Care Act Transamerica Center for Health Studies SM Survey September 2014 1 Table of Contents About the Transamerica Center for Health Studies SM Page 3

More information

The Health Insurance Marketplace in Iowa: The consumer perspective

The Health Insurance Marketplace in Iowa: The consumer perspective The Health Insurance in Iowa: The consumer perspective Final report to the Iowa Dept. of Public Health Peter Damiano* Suzanne Bentler* Daniel Shane* University of Iowa Public Policy Center* and College

More information

Crossroads GPS National Survey of Registered Voters Regarding Health Care June 2-5, 2013

Crossroads GPS National Survey of Registered Voters Regarding Health Care June 2-5, 2013 Crossroads GPS National Survey of Registered Voters Regarding Health Care June 2-5, 2013 Current Attitudes Toward the Health Care Reform Law Democrats think health care is a right, but Republicans and

More information

Affordable Care Act (ACA) Shifts Wealth From Millennials to Baby Boomers

Affordable Care Act (ACA) Shifts Wealth From Millennials to Baby Boomers Affordable Care Act (ACA) Shifts Wealth From Millennials to Baby Boomers April 6, 2015 Brittany Clifton, Gail Werner-Robertson Scholar Creighton Institute for Economic Inquiry Affordable Care Act (ACA)

More information

Evaluations. Nursing Contact Hours, CME and CHES credits are available.

Evaluations. Nursing Contact Hours, CME and CHES credits are available. Evaluations Nursing Contact Hours, CME and CHES credits are available. Please visit www.phlive.org to fill out your evaluation and complete the post-test. 1 Conflict of Interest & Disclosure Statements

More information

The Affordable Care Act (ACA) In Texas

The Affordable Care Act (ACA) In Texas The Affordable Care Act (ACA) In Texas 1 1 Migrant Health Promotion (MHP) Our Mission Migrant Health Promotion provides culturally-appropriate health education, outreach and sustainable community development

More information

Altarum Institute Survey of Consumer Health Care Opinions. Fall 2013. Wendy Lynch, PhD Kristen Perosino, MPH Michael Slover, MS

Altarum Institute Survey of Consumer Health Care Opinions. Fall 2013. Wendy Lynch, PhD Kristen Perosino, MPH Michael Slover, MS Altarum Institute Survey of Consumer Health Care Opinions Fall 2013 Wendy Lynch, PhD Kristen Perosino, MPH Michael Slover, MS Released on January 8, 2014 Table of Contents I. Introduction... 1 II. Topics...

More information

Date: Re: Important Notice from [Insert Name of Your Organization] about Health Insurance Marketplace Coverage and Our Medical Plan(s)

Date: Re: Important Notice from [Insert Name of Your Organization] about Health Insurance Marketplace Coverage and Our Medical Plan(s) Date: Re: Important Notice from [Insert Name of Your Organization] about Health Insurance Marketplace Coverage and Our Medical Plan(s) THIS NOTICE IS FOR ALL EMPLOYEES Please read this cover letter and

More information

ENROLLMENT FORECASTS, REPORTING SCHEDULE AND BACKGROUND DATA

ENROLLMENT FORECASTS, REPORTING SCHEDULE AND BACKGROUND DATA Oct. 1, 2013 ENROLLMENT FORECASTS, REPORTING SCHEDULE AND BACKGROUND DATA Introduction Covered California is the state s marketplace for the federal Patient Protection and Affordable Care Act (Affordable

More information

Hospitals and the Affordable Care Act (ACA)

Hospitals and the Affordable Care Act (ACA) Hospitals and the Affordable Care Act (ACA) General Housekeeping If you experience any technical difficulties during the webinar, please contact GoToMeeting.com Corporate Account Customer Support at: 1-888-259-8414

More information

Introduction. More than half of adults with the greatest need those reporting fair or poor health delayed care in the past 12 months due to cost.

Introduction. More than half of adults with the greatest need those reporting fair or poor health delayed care in the past 12 months due to cost. Survey Says: Californians Perspectives on Health Care March 2015 Introduction While there is good news in terms of coverage, too many Californians struggle to find access to health care. This is particularly

More information

State of Alaska Health and Social Services Medicaid Study

State of Alaska Health and Social Services Medicaid Study State of Alaska Health and Social Services Medicaid Study Prepared by Mike Humphrey Gregg Davis, PhD Bernard Khomenko The Wilson Agency, LLC 3000 A Street, Suite 400 Anchorage, AK 99503 Phone: (907) 277-1616

More information

HOW MUCH WILL IT COST?

HOW MUCH WILL IT COST? RESEARCH BRIEF HOW MUCH WILL IT COST? How Americans Use Prices In Health Care A project by Public Agenda, with support from the Robert Wood Johnson Foundation MARCH 2015 SUMMARY As Americans shoulder more

More information

Colorado s Health Insurance Marketplace: A Profile of Likely Consumers

Colorado s Health Insurance Marketplace: A Profile of Likely Consumers August 2013 CHAS Issue Brief 2011 DATA SERIES NO. 7 Colorado s Health Insurance Marketplace: A Profile of Likely Consumers Prepared for The Colorado Trust by the Colorado Health Institute Introduction

More information

Why the market demand for limited-benefit health plans will grow in 2014 and beyond: a factbased

Why the market demand for limited-benefit health plans will grow in 2014 and beyond: a factbased Why the market demand for limited-benefit health plans will grow in 2014 and beyond: a factbased analysis. Timothy L. Cook, Strategic Business Development, Ternian Insurance Group LLC Ternian Insurance

More information

Date: September 24, 2013 Important Notice from Las Cruces Public Schools about Health Insurance Marketplace Coverage and Our Medical Plan(s)

Date: September 24, 2013 Important Notice from Las Cruces Public Schools about Health Insurance Marketplace Coverage and Our Medical Plan(s) Date: September 24, 2013 Re: Important Notice from Las Cruces Public Schools about Health Insurance Marketplace Coverage and Our Medical Plan(s) THIS NOTICE IS FOR ALL EMPLOYEES Please read this cover

More information

Key Features of the Affordable Care Act, By Year

Key Features of the Affordable Care Act, By Year Page 1 of 10 Key Features of the Affordable Care Act, By Year On March 23, 2010, President Obama signed the Affordable Care Act. The law puts in place comprehensive health insurance reforms that will roll

More information

Legislative Policy: Health Insurance M-56 1 of 5. Purpose

Legislative Policy: Health Insurance M-56 1 of 5. Purpose 1 M-56 1 of 5 Purpose To establish the Board of Supervisors legislative policy regarding health insurance, and to provide guidance to the County s legislative representatives when advocating the County

More information

Alaska Employer Health-Care Benefits: A Survey of Alaska Employers

Alaska Employer Health-Care Benefits: A Survey of Alaska Employers Alaska Employer Health-Care Benefits: A Survey of Alaska Employers By Mouhcine Guettabi Rosyland Frazier Gunnar Knapp Institute of Social and Economic Research University of Alaska Anchorage 3211 Providence

More information

CHANGES TO PLAN B EFFECTIVE SEPTEMBER 1, 2014

CHANGES TO PLAN B EFFECTIVE SEPTEMBER 1, 2014 Trustees AGMA Retirement Plan Executive Director Debra Bernard AGMA Health Fund Derek J. Davis John Coleman Alan S. Gordon, Esq. 1430 Broadway, Suite 1203 New York, NY 10018 Candace Itow Telephone (212)

More information

For More Information

For More Information CHILDREN AND FAMILIES EDUCATION AND THE ARTS ENERGY AND ENVIRONMENT HEALTH AND HEALTH CARE INFRASTRUCTURE AND TRANSPORTATION INTERNATIONAL AFFAIRS LAW AND BUSINESS NATIONAL SECURITY POPULATION AND AGING

More information

Affordable Care Act: What The Health Care Law Means for Small Businesses

Affordable Care Act: What The Health Care Law Means for Small Businesses Affordable Care Act: What The Health Care Law Means for Small Businesses August 2013 Indian Country Business Summit These materials are provided for informational purposes only and are not intended as

More information

Timeline: Key Feature Implementations of the Affordable Care Act

Timeline: Key Feature Implementations of the Affordable Care Act Timeline: Key Feature Implementations of the Affordable Care Act The Affordable Care Act, signed on March 23, 2010, puts in place health insurance reforms that will roll out incrementally over the next

More information

How To Buy Health Insurance. An Introduction To Healthcare Coverage

How To Buy Health Insurance. An Introduction To Healthcare Coverage How To Buy Health Insurance An Introduction To Healthcare Coverage Table of Contents What Is Health Insurance? How Do I Get Health Insurance? When Can I Get Health Insurance? What Terms Should I Know?

More information

LONG-TERM CARE IN AMERICA: AMERICANS OUTLOOK AND PLANNING FOR FUTURE CARE

LONG-TERM CARE IN AMERICA: AMERICANS OUTLOOK AND PLANNING FOR FUTURE CARE Research Highlights LONG-TERM CARE IN AMERICA: AMERICANS OUTLOOK AND PLANNING FOR FUTURE CARE INTRODUCTION In the next 25 years, the U.S. population is expected to include 82 million Americans over the

More information

75 Washington Ave. Suite 206 Portland, ME 04101. (207) 767-6440 www.marketdecisions.com

75 Washington Ave. Suite 206 Portland, ME 04101. (207) 767-6440 www.marketdecisions.com 75 Washington Ave. Suite 206 Portland, ME 04101 (207) 767-6440 www.marketdecisions.com Comprehensive Report 2014 Vermont Household Health Insurance Survey Vermont Department of Regulation, Insurance Division

More information

Transforming Health Care: American Attitudes On Shared Stewardship

Transforming Health Care: American Attitudes On Shared Stewardship Transforming Health Care: American Attitudes On Shared Stewardship An Aspen Institute- Survey Submitted by zogby international may 2008 2008 Report Overview A new Aspen Institute/Zogby interactive survey

More information

Racial and Ethnic Disparities in Women s Health Coverage and Access To Care Findings from the 2001 Kaiser Women s Health Survey

Racial and Ethnic Disparities in Women s Health Coverage and Access To Care Findings from the 2001 Kaiser Women s Health Survey March 2004 Racial and Ethnic Disparities in Women s Health Coverage and Access To Care Findings from the 2001 Kaiser Women s Health Survey Attention to racial and ethnic differences in health status and

More information

Tracking Report. Trends in Health Insurance Coverage and Access Among Black, Latino and White Americans, 2001-2003 LOW-INCOME LATINOS AND WHITES LOSE

Tracking Report. Trends in Health Insurance Coverage and Access Among Black, Latino and White Americans, 2001-2003 LOW-INCOME LATINOS AND WHITES LOSE I N S U R A N C E C O V E R A G E & C O S T S Tracking Report RESULTS FROM THE COMMUNITY TRACKING STUDY NO. 11 OCTOBER 004 Trends in Health Insurance Coverage and Access Among Black, Latino and White Americans,

More information

Health Insurance by Work Characteristics: 2006

Health Insurance by Work Characteristics: 2006 WASHINGTON STATE OFFICE OF FINANCIAL MANAGEMENT WASHINGTON STATE POPULATION SURVEY Research Brief No. 43 February 2007 A ccording to the 2006 Washington State Population Survey, 87 percent of nonelderly

More information

It goes by many names: Patient Protection and Affordable Care Act (PPACA) or ACA or Obama Care or simply Healthcare Reform.

It goes by many names: Patient Protection and Affordable Care Act (PPACA) or ACA or Obama Care or simply Healthcare Reform. WHAT IS HEALTHCARE REFORM? Healthcare Reform (HCR) is a law passed by Congress that provides many different requirements. A very important aspect of the law is that it is designed to provide individuals

More information

I O W A S C U R R E N T H E A L T H C O V E R A G E M A R K E T P L A C E : B A C K G R O U N D R E S E A R C H

I O W A S C U R R E N T H E A L T H C O V E R A G E M A R K E T P L A C E : B A C K G R O U N D R E S E A R C H I O W A S H E A L T H BEN E F I T E X C H A N G E P R O J E C T I O W A S C U R R E N T H E A L T H C O V E R A G E M A R K E T P L A C E : B A C K G R O U N D R E S E A R C H P R E P A R E D B Y : V E

More information

Implementing the Affordable Care Act A how-to guide for the local church

Implementing the Affordable Care Act A how-to guide for the local church Implementing the Affordable Care Act A how-to guide for the local church Everyone has an opinion about the Affordable Care Act Affordable Care Act is very complex and our time today does not permit a comprehensive

More information

2. EXECUTIVE SUMMARY. Assist with the first year of planning for design and implementation of a federally mandated American health benefits exchange

2. EXECUTIVE SUMMARY. Assist with the first year of planning for design and implementation of a federally mandated American health benefits exchange 2. EXECUTIVE SUMMARY The Patient Protection and Affordable Care Act of 2010 and the Health Care and Education Reconciliation Act of 2010, collectively referred to as the Affordable Care Act (ACA), introduces

More information

ANNUAL INSURANCE UPDATE 2016

ANNUAL INSURANCE UPDATE 2016 KHI.ORG Informing Policy. Improving Health. ANNUAL INSURANCE UPDATE 2016 Health Insurance in Kansas AUGUST 2016 Informing Policy. Improving Health. Copyright Kansas Health Institute 2016. Materials may

More information

EXPANDING THE POSSIBILITIES. states. must close the gap: low-income women. need health insurance

EXPANDING THE POSSIBILITIES. states. must close the gap: low-income women. need health insurance EXPANDING THE POSSIBILITIES states must close the gap: low-income women need health insurance ABOUT THE CENTER The National Women s Law Center is a non-profit organization whose mission is to expand the

More information

Empowering the Consumer: The Ultimate Health Care Stakeholder

Empowering the Consumer: The Ultimate Health Care Stakeholder Empowering the Consumer: The Ultimate Health Care Stakeholder Rebecca Burkholder Alliance for Health Reform Briefing July 24, 2015 REBECCA BURKHOLDER @ncl_tweets 1 Estimated Source of Insurance Coverage,

More information

Health Insurance Coverage in Minnesota: Results from the 2015 Minnesota Health Access Survey

Health Insurance Coverage in Minnesota: Results from the 2015 Minnesota Health Access Survey HEALTH ECONOMICS PROGRAM Health Insurance Coverage in Minnesota: Results from the 2015 Minnesota Health Access Survey FEBRUARY 29 2016 As Minnesota and the nation saw increases in health insurance coverage

More information

Healthcare Reform: Impact on Care for Low-Income and Uninsured Patients

Healthcare Reform: Impact on Care for Low-Income and Uninsured Patients Competency 4 Healthcare Reform: Impact on Care for Low-Income and Uninsured Patients Updated June 2014. Presented by: Lewis Foxhall, MD VP for Health Policy Professor, Clinical Cancer Prevention UT MD

More information

Affordable Health Insurance for CSU Students and their Families

Affordable Health Insurance for CSU Students and their Families Affordable Health Insurance for CSU Students and their Families What is Covered CA? www.coveredca.com A new online marketplace to find affordable health insurance options under the Affordable Care Act

More information

Affordable Care Act Employee Education Packet

Affordable Care Act Employee Education Packet Affordable Care Act Employee Education Packet Your Health Plan Options under the Affordable Care Act The Affordable Care Act (ACA) requires that most Americans be covered under a health plan by January

More information

White paper 2014 Employee Benefits Trends Survey Trends in employee benefits: Perspectives from the C-suite and HR/benefit managers

White paper 2014 Employee Benefits Trends Survey Trends in employee benefits: Perspectives from the C-suite and HR/benefit managers White paper 2014 Employee Benefits Trends Survey Trends in employee benefits: Perspectives from the and HR/benefit managers Wells Fargo Insurance Employee Benefits Practice January 2015 The landscape for

More information

ASSESSING THE RESULTS

ASSESSING THE RESULTS HEALTH REFORM IN MASSACHUSETTS EXPANDING TO HEALTH INSURANCE ASSESSING THE RESULTS March 2014 Health Reform in Massachusetts, Expanding Access to Health Insurance Coverage: Assessing the Results pulls

More information

EXPANDING THE POSSIBILITIES. mindthe gap: low-income women in dire. need of health insurance

EXPANDING THE POSSIBILITIES. mindthe gap: low-income women in dire. need of health insurance EXPANDING THE POSSIBILITIES mindthe gap: low-income women in dire need of health insurance ABOUT THE CENTER The National Women s Law Center is a non-profit organization whose mission is to expand the possibilities

More information

Health Insurance Coverage, Poverty, and Income of Veterans: 2000 to 2009

Health Insurance Coverage, Poverty, and Income of Veterans: 2000 to 2009 Health Insurance Coverage, Poverty, and Income of Veterans: 2 to 29 February 211 NCVAS National Center for Veterans Analysis and Statistics Data Source and Methods Data for this analysis come from years

More information

Young Invincibles? Why Young Adults Have Colorado s Highest Uninsured Rate. CHAS Issue Brief. About the Survey 2011 DATA SERIES NO.

Young Invincibles? Why Young Adults Have Colorado s Highest Uninsured Rate. CHAS Issue Brief. About the Survey 2011 DATA SERIES NO. March 2013 CHAS Issue Brief 2011 DATA SERIES NO. 6 Young Invincibles? Why Young Adults Have Colorado s Highest Uninsured Rate Prepared for The Colorado Trust by the Colorado Health Institute Young adults

More information

Enrolling students: what works and doesn t work PRESENTED BY: DR. WALTER ZELMAN, WENDY LEE,

Enrolling students: what works and doesn t work PRESENTED BY: DR. WALTER ZELMAN, WENDY LEE, Enrolling students: what works and doesn t work PRESENTED BY: DR. WALTER ZELMAN, WENDY LEE, NATASHA BURANASOMBATI CALIFORNIA STATE UNIVERSITY, LOS ANGELES Overview Grant and project background First campus

More information

Changes in Health Insurance Coverage in the Great Recession, 2007-2010 John Holahan and Vicki Chen The Urban Institute Executive Summary

Changes in Health Insurance Coverage in the Great Recession, 2007-2010 John Holahan and Vicki Chen The Urban Institute Executive Summary I S S U E P A P E R kaiser commission on medicaid and the uninsured Changes in Health Insurance Coverage in the Great Recession, 2007-2010 John Holahan and Vicki Chen The Urban Institute Executive Summary

More information

Health Insurance Marketplace Frequently Asked Questions

Health Insurance Marketplace Frequently Asked Questions Health Insurance Marketplace Frequently Asked Questions Q & A SPECIFIC TO THE HEALTH INSURANCE MARKETPLACE & ASSISTANCE Q1: Why is health insurance important? A: No one plans to get sick or hurt, but at

More information

Tracking Employment-Based Health Benefits in Changing Times

Tracking Employment-Based Health Benefits in Changing Times Tracking Employment-Based Health Benefits in Changing Times by Brian Mauersberger Bureau of Labor Statistics Originally Posted: January 27, 2012 Most Americans obtain their health care coverage through

More information

Transcript: The Patient s Perspective

Transcript: The Patient s Perspective Transcript: The Patient s Perspective Tom Donohoe, MBA Director, UCLA Pacific AIDS Education and Training Center The Affordable Care Act and Tuberculosis Control: Navigating New Territory A National Webinar

More information

ISSUE BRIEF. A Little Knowledge Is a Risky Thing: Wide Gap in What People Think They Know About Health Insurance and What They Actually Know

ISSUE BRIEF. A Little Knowledge Is a Risky Thing: Wide Gap in What People Think They Know About Health Insurance and What They Actually Know October 214 Amended A Little Knowledge Is a Risky Thing: Wide Gap in What People Think They Know About Health and What They Actually Know BY KATHRYN A. PAEZ AND CORETTA J. MALLERY Under the 2 Affordable

More information

Profile of Rural Health Insurance Coverage

Profile of Rural Health Insurance Coverage Profile of Rural Health Insurance Coverage A Chartbook R H R C Rural Health Research & Policy Centers Funded by the Federal Office of Rural Health Policy www.ruralhealthresearch.org UNIVERSITY OF SOUTHERN

More information

Understanding the ObamaCare Health Insurance Plans in North Carolina Understanding Insurance and Affordable Care Act Terminology: ACA- Marketplace

Understanding the ObamaCare Health Insurance Plans in North Carolina Understanding Insurance and Affordable Care Act Terminology: ACA- Marketplace Understanding the ObamaCare Health Insurance Plans in North Carolina As a result of the Affordable Care Act (a.k.a. ObamaCare) the following provisions are now in place for health insurance policies with

More information

U.S. ATTITUDES TOWARD HEALTH INSURANCE AND HEALTHCARE REFORM. A report by Valence Health August 2015

U.S. ATTITUDES TOWARD HEALTH INSURANCE AND HEALTHCARE REFORM. A report by Valence Health August 2015 U.S. ATTITUDES TOWARD HEALTH INSURANCE AND HEALTHCARE REFORM A report by Valence Health August 2015 U.S. ATTITUDES TOWARD HEALTH INSURANCE AND HEALTHCARE REFORM Executive Summary With the Affordable Care

More information

Society of Actuaries Middle Market Life Insurance Segmentation Program (Phase 1: Young Families)

Society of Actuaries Middle Market Life Insurance Segmentation Program (Phase 1: Young Families) Society of Actuaries Middle Market Life Insurance Segmentation Program (Phase 1: Young Families) September 2012 Sponsored By: SOA Marketing and Distribution Section SOA Product Development Section SOA

More information

The Uninsured Population in Texas:

The Uninsured Population in Texas: REPORT The Uninsured Population in Texas: July 2014 Understanding Coverage Needs and the Potential Impact of the Affordable Care Act Prepared by: Katherine Young and Rachel Garfield Kaiser Family Foundation

More information

Q. My company already offers employee health coverage, how does the law impact me?

Q. My company already offers employee health coverage, how does the law impact me? Frequently Asked Questions Q. Will my business be required to provide employee health insurance under the health care law? A. The law does not mandate employers provide employees health care coverage.

More information

25ASIAN & PACIFIC ISLANDER

25ASIAN & PACIFIC ISLANDER APIA 25ASIAN & PACIFIC ISLANDER 1986-2011 AMERICAN HEALTH FORUM advocates guide to health care reform implementation in utah april 2011 Advocates for health justice The Asian & Pacific Islander American

More information

Frequently Asked Questions: The Affordable Care Act and You

Frequently Asked Questions: The Affordable Care Act and You Frequently Asked Questions: The Affordable Care Act and You This document provides answers to the common questions we receive regarding the Affordable Care Act and Health Insurance Marketplaces. If you

More information

Transamerica Center for Health Studies Survey: Millennial Survey: Young Adults Healthcare Reality

Transamerica Center for Health Studies Survey: Millennial Survey: Young Adults Healthcare Reality Transamerica Center for Health Studies Survey: Millennial Survey: Young Adults Healthcare Reality June 2016 Transamerica Center for Health Studies, 2015 Transamerica Center for Health Studies, 2015 Table

More information

HEALTHCARE REFORM: WHAT YOU NEED TO KNOW

HEALTHCARE REFORM: WHAT YOU NEED TO KNOW WHAT IS HEALTHCARE REFORM? Healthcare reform refers to the healthcare law passed in 2010 that significantly changed health policy in the United States. Healthcare reform includes numerous requirements

More information

The Health Reform Monitoring Survey (HRMS): A Rapid Cycle Tool for Monitoring Coverage and Access Changes for Children under the ACA

The Health Reform Monitoring Survey (HRMS): A Rapid Cycle Tool for Monitoring Coverage and Access Changes for Children under the ACA The Health Reform Monitoring Survey (HRMS): A Rapid Cycle Tool for Monitoring Coverage and Access Changes for Children under the ACA Genevieve M. Kenney Urban Institute The Affordable Care Act 2014 components

More information

Racial/Ethnic Differences in Uninsurance Rates under the ACA

Racial/Ethnic Differences in Uninsurance Rates under the ACA HEALTH POLICY CENTER BRIEF Racial/Ethnic Differences in Uninsurance Rates under the ACA Brief Lisa Clemans-Cope, Matthew Buettgens, Genevieve M. Kenney, and Hannah Recht December 14 The Affordable Care

More information

Health Insurance Coverage in Texas

Health Insurance Coverage in Texas Health Insurance Coverage in Texas U.S. Census Current Population Survey 2012 Data March 2014 Fast Facts: Texans & Health Insurance (2012) 6.4 million uninsured Texans, 24.6% of all ages Highest rate in

More information

Healthcare Reform: Preparing Your Practice For Implementation of the. HMWC Healthcare Education Leadership Program. Affordable Care Act (ACA)

Healthcare Reform: Preparing Your Practice For Implementation of the. HMWC Healthcare Education Leadership Program. Affordable Care Act (ACA) Healthcare Reform: Preparing Your Practice For Implementation of the HMWC Healthcare Education Leadership Program Affordable Care Act (ACA) September 12, 2013 Main Provisions Signed into law on March 23,

More information

Women, Retirement and Advisors. Concerned About Meeting Retirement Expectations, Female Boomers Seek Expert Advice

Women, Retirement and Advisors. Concerned About Meeting Retirement Expectations, Female Boomers Seek Expert Advice Women, Retirement and Advisors Concerned About Meeting Retirement Expectations, Female Boomers Seek Expert Advice September 2011 About the Insured Retirement Institute: The Insured Retirement Institute

More information

This glossary provides simple and straightforward definitions of key terms that are part of the health reform law.

This glossary provides simple and straightforward definitions of key terms that are part of the health reform law. This glossary provides simple and straightforward definitions of key terms that are part of the health reform law. A Affordable Care Act Also known as the ACA. A law that creates new options for people

More information

Ronald Riner, MD. The Riner Group, Inc. 5811 Pelican Bay Blvd., Suite 210 Naples, FL 34108 800.965.8485 www.rinergroup.com

Ronald Riner, MD. The Riner Group, Inc. 5811 Pelican Bay Blvd., Suite 210 Naples, FL 34108 800.965.8485 www.rinergroup.com Impact of Healthcare Reform on Small Business January 12, 2011 Ronald Riner, MD The Riner Group, Inc. 5811 Pelican Bay Blvd., Suite 210 Naples, FL 34108 800.965.8485 www.rinergroup.com Healthcare Reform

More information

A PUBLICATION OF CREIGHTON UNIVERSITY HUMAN RESOURCES

A PUBLICATION OF CREIGHTON UNIVERSITY HUMAN RESOURCES AffordAble CAre ACt Newsletter ANd NotiCe A PUBLICATION OF CREIGHTON UNIVERSITY HUMAN RESOURCES SEPTEMBER 2013 MAkiNg HeAltHCAre reform easy Healthcare reform, the Affordable Care Act, or the ACA no matter

More information

In our society, women assume

In our society, women assume Life & Health Insurance Advisor 359 East Main St., Suite 1 American Fork, UT 84003 800-876-0390 801-763-1559 Serving Utah since 1990 Long-Term Care November 2013 Volume 6 Number 11 Women and Long-Term

More information

Massachusetts US Census Bureau 2011

Massachusetts US Census Bureau 2011 Massachusetts US Census Bureau 2011 Population: 6,587,536 Average persons per household: 2.48 Female persons: 51.6% Persons under 18: 21.3% Caucasian: 84.1% African American: 7.8% Asian: 5.6% Latino: 9.9%

More information

Your Bottom Line: What the Affordable Care Act Means For Your Illinois Small Business. Small Business Majority November 2013

Your Bottom Line: What the Affordable Care Act Means For Your Illinois Small Business. Small Business Majority November 2013 Your Bottom Line: What the Affordable Care Act Means For Your Illinois Small Business Small Business Majority November 2013 About Small Business Majority Small business advocacy organization founded and

More information

UNINSURED ADULTS IN MAINE, 2013 AND 2014: RATE STAYS STEADY AND BARRIERS TO HEALTH CARE CONTINUE

UNINSURED ADULTS IN MAINE, 2013 AND 2014: RATE STAYS STEADY AND BARRIERS TO HEALTH CARE CONTINUE UNINSURED ADULTS IN MAINE, 2013 AND 2014: RATE STAYS STEADY AND BARRIERS TO HEALTH CARE CONTINUE December 2015 Beginning in January 2014, the federal Patient Protection and Affordable Care Act (ACA) has

More information

Health Insurance Coverage in California under the Affordable Care Act

Health Insurance Coverage in California under the Affordable Care Act California Simulation of Insurance Markets (CalSIM) Version 1.7 CalSIM California Simulation of Insurance Markets e California Simulation of Insurance Markets (CalSIM) model is designed to estimate the

More information

Individual and Family Health Insurance Researching, Shopping and Buying Health Insurance: The Insurance Exchange Effect

Individual and Family Health Insurance Researching, Shopping and Buying Health Insurance: The Insurance Exchange Effect Individual and Family Health Insurance Researching, Shopping and Buying Health Insurance: The Insurance Exchange Effect GoHealthInsurance Consumer Reports Third Business Quarter 2009 Table of Contents

More information

Release #2478 Embargoed for Print Publication: Wednesday, August 20, 2014

Release #2478 Embargoed for Print Publication: Wednesday, August 20, 2014 THE FIELD POLL THE INDEPENDENT AND NON-PARTISAN SURVEY OF PUBLIC OPINION ESTABLISHED IN 1947 AS THE CALIFORNIA POLL BY MERVIN FIELD Field Research Corporation 601 California Street San Francisco, CA 94108-2814

More information

Shared Responsibility: What It Means for Your Business

Shared Responsibility: What It Means for Your Business Shared Responsibility: What It Means for Your Business The provisions of the Affordable Care Act (ACA) apply to nearly all companies in the United States. The ways they apply, however, can be different

More information

Issue Brief. The Public s Views on Health Care Reform in the 2008 Presidential Election. Sara R. Collins and Jennifer L. Kriss The Commonwealth Fund

Issue Brief. The Public s Views on Health Care Reform in the 2008 Presidential Election. Sara R. Collins and Jennifer L. Kriss The Commonwealth Fund JANUARY 2008 Issue Brief The Public s Views on Health Care Reform in the 2008 Presidential Election Sara R. Collins and Jennifer L. Kriss The Commonwealth Fund For more information about this study, please

More information

Summary of 2011 AARP Survey of Virginians 18+: State Health Insurance Exchange Prepared by Jennifer H. Sauer State Research, AARP.

Summary of 2011 AARP Survey of Virginians 18+: State Health Insurance Exchange Prepared by Jennifer H. Sauer State Research, AARP. Summary of 2011 AARP Survey of Virginians 18+: State Health Insurance Exchange Prepared by Jennifer H. Sauer State Research, AARP State health insurance exchanges are a provision of the new health law

More information

Survey of Non-Group Health Insurance Enrollees

Survey of Non-Group Health Insurance Enrollees Survey of Non-Group Health Insurance Enrollees A First Look At People Buying Their Own Health Insurance Following Implementation Of The Affordable Care Act Executive Summary... 1 About The Groups Described

More information

Access to Health Services

Access to Health Services Ah Access to Health Services Access to Health Services HP 2020 Goal Improve access to comprehensive, quality health care services. HP 2020 Objectives Increase the proportion of persons with a usual primary

More information

Starting Simple: Inreach/Outreach and Enrollment for Title X Family Planning Agencies

Starting Simple: Inreach/Outreach and Enrollment for Title X Family Planning Agencies Starting Simple: Inreach/Outreach and Enrollment for Title X Family Planning Agencies Ambar Jacqueline Calvillo-Rivera, Enroll America Dayanne Leal, Enroll America Cheryl O Donnell, Enroll America Nancy

More information

+ An Overview of the. Affordable Care Act. How Illinois Nurses can Educate and Guide Patients, Family, & Friends About Provisions of the Law

+ An Overview of the. Affordable Care Act. How Illinois Nurses can Educate and Guide Patients, Family, & Friends About Provisions of the Law + An Overview of the Affordable Care Act How Illinois Nurses can Educate and Guide Patients, Family, & Friends About Provisions of the Law An Overview of the ACA: How Illinois Nurses can Educate & Guide

More information

Affordable Care Act 101: What The Health Care Law Means for Small Businesses

Affordable Care Act 101: What The Health Care Law Means for Small Businesses Affordable Care Act 101: What The Health Care Law Means for Small Businesses December 2013 These materials are provided for informational purposes only and are not intended as legal or tax advice. Readers

More information

kaiser medicaid uninsured commission on March 2013 Key Facts on Health Coverage for Low-Income Immigrants Today and Under the Affordable Care Act

kaiser medicaid uninsured commission on March 2013 Key Facts on Health Coverage for Low-Income Immigrants Today and Under the Affordable Care Act on on medicaid and and the the uninsured March 2013 Key Facts on Health Coverage for Low-Income Immigrants Today and Under the Affordable Care Act EXECUTIVE SUMMARY Beginning in 2014, the Affordable Care

More information

Basic Health Plan Offers a Chance to Provide Comprehensive Health Care Coverage for Low-Income Minnesotans

Basic Health Plan Offers a Chance to Provide Comprehensive Health Care Coverage for Low-Income Minnesotans Basic Health Plan Offers a Chance to Provide Comprehensive Health Care Coverage for Low-Income Minnesotans The number of uninsured in Minnesota has been on the rise over the last decade, with one out of

More information

Children s Health Coverage Under the ACA Part III: Issue Diagnosis Evolutionary Challenges

Children s Health Coverage Under the ACA Part III: Issue Diagnosis Evolutionary Challenges Children s Health Coverage Under the ACA Part III: Issue Diagnosis Evolutionary Challenges Prepared by Carolina Coleman Funded by the Lucile Packard Foundation for Children s Health January 2014 This brief

More information

HEALTH INSURANCE MARKETPLACES 2015 OPEN ENROLLMENT PERIOD: MARCH ENROLLMENT REPORT

HEALTH INSURANCE MARKETPLACES 2015 OPEN ENROLLMENT PERIOD: MARCH ENROLLMENT REPORT ASPE ISSUE BRIEF HEALTH INSURANCE MARKETPLACES 2015 OPEN ENROLLMENT PERIOD: MARCH ENROLLMENT REPORT 1 For the period: November 15, 2014 February 15, 2015 (Including Additional Special Enrollment Period

More information

ACA Impact on Premium Rates in the Individual and Small Group Markets

ACA Impact on Premium Rates in the Individual and Small Group Markets ACA Impact on Premium Rates in the Individual and Small Group Markets Paul R. Houchens, FSA, MAAA BACKGROUND The Patient Protection and Affordable Care Act (ACA) introduces significant changes in covered

More information

Public Understanding of Basic Health Insurance Concepts on the Eve of Health Reform

Public Understanding of Basic Health Insurance Concepts on the Eve of Health Reform Public Understanding of Basic Health Insurance Concepts on the Eve of Health Reform Linda J. Blumberg, Sharon K. Long, Genevieve M. Kenney, and Dana Goin At a Glance The groups targeted by the Marketplaces

More information