Source: Gary Claxton, Larry Levitt, Anthony Damico, Rachel Garfield, Nirmita Panchal, Cynthia Cox and Matthew Rae, Kaiser Family Foundation, Issue Brief, November 2013
Key provisions of the 2010 Affordable Care Act (ACA) create new Marketplaces for people who purchase insurance directly and provide new premium tax credits to help people with low or moderate incomes afford that coverage. We estimate that about 17 million people who are now uninsured or who buy insurance on their own (“nongroup purchasers”) will be eligible for premium tax credits in 2014. This
issue brief provides national and state estimates for tax credit eligibility for people in these groups. We also estimate that about 29 million people nationally could look to new Marketplaces as a place to purchase coverage…
Source: Yaa Akosa Antwi, Asako S. Moriya, and Kosali Simon, American Economic Journal: Economic Policy, Vol. 5 no. 4, November 2013
From the abstract:
Using data from the Survey of Income and Program Participation (SIPP), we study the health insurance and labor market implications of the recent Affordable Care Act (ACA) provision that allows dependents to remain on parental policies until age 26. Our comparison of outcomes for young adults aged 19-25 with those who are older and younger, before and after the law, shows a high take-up of parental coverage, resulting in substantial reductions in uninsurance and other forms of coverage. We also find preliminary evidence of increased labor market flexibility in the form of reduced work hours.
Source: Pew Charitable Trusts, State Health Care Spending Project, October 2013
From the summary:
This report examines state spending on inmate health care and the factors driving costs higher. It also reviews strategies that some states have used to control these expenses while protecting public safety and maintaining or improving the quality of care that prisoners receive.
Source: U.S. Department of Health and Human Services, Centers for Medicare & Medicaid Services, CMS Product No. 10050, September 2013
This official government booklet tells you:
Summary of Medicare benefits, coverage decisions, rights and protections, and answers to the most frequently asked questions about Medicare.
Source: Vernon K Smith, Kathleen Gifford, Eileen Ellis, Robin Rudowitz and Laura Snyder, The Henry J. Kaiser Family Foundation, Kaiser Commission on Medicaid and the Uninsured, October 2013
From the summary:
The dominant forces shaping Medicaid during FY 2013 and heading into FY 2014 were the implementation of the Affordable Care Act (ACA) and the development and implementation of an array of delivery and payment system reforms. These changes represent some of the most significant changes to Medicaid since its enactment in 1965, and taken together, are transforming the role of Medicaid in the health care system in each state. At this time, the intensity of fiscal pressures and the focus on cost Medicaid containment were somewhat lessened as the economy slowly recovers; however, controlling costs and improving program administration are still important priorities for Medicaid program.
The findings in this report are drawn from the 13th annual budget survey of Medicaid officials in all 50 states and the District of Columbia conducted by the Kaiser Commission on Medicaid and the Uninsured and Health Management Associates (HMA). The report highlights trends in Medicaid spending, enrollment and policy initiatives for FY 2013 and FY 2014 with an intense focus on eligibility and enrollment changes tied to the implementation of the ACA as well as payment and delivery system changes. The report provides detailed appendices with state-by-state information and a more in-depth look at four case study states: Arizona, Florida, Kentucky and Washington.
Key findings from the survey include the following:
– Improvements in the economy resulted in modest growth in Medicaid spending and enrollment in FY 2013. In FY 2014, national enrollment and spending growth are expected to rise. States moving forward with the Medicaid expansion are expected to see higher enrollment and total spending growth driven by increases in coverage and federal funds.
– The implementation of the ACA will result in major changes to Medicaid eligibility and enrollment for all states whether they are implementing the ACA Medicaid expansion or not.
– Nearly all states are developing and implementing payment and delivery system reforms designed to improve quality, manage costs and better balance the delivery of long-term services and supports across institutional and community-based settings.
– Improvements in the economy have enabled states to implement more program restorations or improvements in provider rates and benefits compared to restrictions, but states also adopted policies to control costs and enhance program integrity.
– Looking ahead, FY 2014 will be a transformative year for Medicaid.
Source: Paul Waldman, American Prospect, October 3, 2013
The states rejecting the expansion of Medicaid are the ones that already make it the hardest for poor people to get insured.
The Factoid That Explains Why You Want to Live in a Blue State
Source: Michael Schaffer, New Republic, October 4, 2013
Health Reform Frequently Asked Questions – Kaiser Family Foundation
To search Frequently Asked Questions about Health Reform, enter your search terms in the box to the right. While we have made every effort to provide accurate information in these FAQs, people should contact the Marketplace or Medicaid agency in their state for guidance on their specific circumstances.
What Obamacare Means For You – Kaiser Health News
We’re here to help you navigate your way around what the new health law will mean for you, your family and what health care — and insurance — will cost you.
Affordable Care Act – U.S. Department of Health and Human Services
The Official Affordable Care Act website www.healthcare.gov
Obamacare: Understanding the Affordable Care Act – Washington Post
Obamacare facts: How will the law affect you? – Christian Science Monitor
Source: Sebastian Bauhoff, Katherine Carman, Amelie Wuppermann, RAND, Working Papers, WR-1013, 2013
From the abstract:
Under the U.S. Affordable Care Act (ACA), many low income consumers will become eligible for government support to buy health insurance. Whether these consumers are able to take advantage of the support and to make sound decisions about purchasing health insurance will likely depend on their knowledge and skills in navigating complex financial products. This ability is frequently referred to as “financial literacy”. This paper examined the level and distribution of consumers’ financial literacy across income groups, using 2012 data collected in the RAND American Life Panel, an internet panel representative of the U.S. population. Financial illiteracy was particularly prevalent among individuals with incomes between 100–400% of the Federal Poverty Line, many of whom will be eligible for subsidies. In this group, the young, less educated, females, and those with less income were more likely to have low financial literacy. The findings suggest the need for targeted policies to support vulnerable consumers in making good choices for themselves, possibly above and beyond the support measures already planned for in the ACA.
Source: Suzanne M. Kirchhoff, Congressional Research Service, CRS Report for Congress, R43243, September 25, 2013
The 2010 Patient Protection and Affordable Care Act (ACA, P.L. 111-148) allows certain individuals and small businesses to buy health insurance through state exchanges, beginning on October 1, 2013. The exchanges are not themselves insurers, but rather are special marketplaces where insurance firms may sell health policies that meet set, federal guidelines. As of September 2013, 16 states and the District of Columbia had secured Department of Health and Human Services (HHS) approval to create their own exchanges, 7 to enter into partnership exchanges, 26 to have federally facilitated exchanges, and 1 to have a state-based Small Business Health Options Program (SHOP)/federally facilitated individual exchange. An estimated 24 million individuals are expected to secure coverage through the exchanges by 2022….
….Some lawmakers, agents, and brokers have raised questions about the navigator and other assistance programs. Issues include whether navigators will have sufficient training and whether HHS regulations provide sufficiently stringent consumer and privacy safeguards. A number of states have passed legislation to further regulate navigators, including requiring navigators to be licensed and to be liable for financial losses due to their advice. HHS has determined that the ACA gives states authority to set additional standards, so long as they do not prevent implementation of Title I of the law, which includes the exchanges and navigator program. This report describes exchange outreach programs, the role of brokers, agents and insurers, and emerging issues regarding consumer outreach assistance…
Source: Scott Hensley, NPR, Shots blog, September 26, 2013
…On the eve of the marketplaces’ planned opening, many people aren’t sure if they’ll qualify for subsidized insurance. Many also have no clear idea of how much their insurance tab would run.
If you’ve asked yourself, “How much will Obamacare cost me?” We can help you find the answer.
A calculator produced by the Kaiser Family Foundation in collaboration with NPR allows shoppers to find out if they qualify for subsidized insurance coverage or Medicaid.
Enter your ZIP code, income, age, family size and a few other factors into the calculator to get subsidy estimates and insurance premiums available for coverage sold on the marketplaces, or exchanges, once enrollment begins….
…As states release details about the insurance plans that will be offered in their exchanges, Kaiser and NPR will update the calculator….