This report examines the causes and contributors to medical debt, medical bankruptcy, and other difficulties with medical bills among people with insurance. Through in-depth interviews of nearly two-dozen people and quantitative analysis of national survey data, the authors of this report find that in-network and out-of-net-work cost sharing primarily contribute to medical debt among the insured.
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The 2010 Affordable Care Act (ACA) has the potential to extend health care coverage to many of the 47 million nonelderly uninsured people nationwide. Use this interactive to learn how the ACA could expand coverage to the uninsured in your state.
The Centers for Medicare & Medicaid Services (CMS) recently established 12 new Medicaid and CHIP eligibility and enrollment performance indicators for states to report beginning in October 2013. These indicators provide insight into the performance of new eligibility and enrollment policies established under the Affordable Care Act (ACA). In December 2013, CMS released initial reports for a subset of the indicators. This brief provides an overview of the new performance indicators; the initial data; and the opportunities and challenges associated with reporting, analyzing, and interpreting the data.
Larry Levitt’s January 2014 column looking “halftime” for ACA’s initial launch is now available on The JAMA Forum.
The Affordable Care Act (ACA) requires that Medicaid cover children with incomes up to 133 percent of the federal poverty level (FPL) ($31,322 for a family of four in 2013) as of January 2014. Today, there are “stairstep” eligibility rules for children. States must cover children under the age of six in families with income of at least 133 percent of the FPL in Medicaid while older children and teens with incomes above 100 percent of the FPL may be covered in separate state Children’s Health Insurance Programs (CHIP) or Medicaid at state option. While many states already cover children in Medicaid with income up to 133 percent FPL, due to the change in law, 21 states needed to transition some children from CHIP to Medicaid. This brief examines how the transition of children from CHIP to Medicaid will affect children and families as well as states. The brief also looks to New York and Colorado for lessons learned from the early transition of coverage.
As part of the “Covering Health Reform” series, this webinar provided an overview of how the Affordable Care Act’s impact will vary for people in different circumstances, including those currently with employer coverage, those who buy their own insurance and those who are currently uninsured. The Foundation’s State Health Policy Director Jennifer Tolbert and Senior Fellow Karen Pollitz explained the law’s individual mandate, as well as its new coverage options, including new state insurance marketplaces, subsidies for people with low- and moderate incomes, and new rules prohibiting insurers from discriminating based on pre-existing conditions. They answered journalists’ questions about the law as part of the webinar.
Analysis: Tax Credits to Average $2,700 Per Family Next Year for People Who Now Buy Their Own Insurance
This analysis estimates that Americans currently buying insurance on the individual market would receive $2700 in subsidies (as tax credits) in 2014 under Obamacare. Tax credits are available for qualifying people buying insurance through the new health care marketplaces, or exchanges.
Employer-Sponsored Family Health Premiums Rise a Modest 4 Percent in 2013, National Benchmark Employer Survey Finds
Annual premiums for employer-sponsored family health coverage reached $16,351 this year, up 4 percent from last year, with workers on average paying $4,565 toward the cost of their coverage, according to the Kaiser Family Foundation/Health Research & Educational Trust (HRET) 2013 Employer Health Benefits Survey. This year’s rise in premiums remains moderate by historical standards. The 15th annual Kaiser/HRET survey of more than 2,000 small and large employers provides a detailed picture of the status and trends in employer-sponsored health insurance costs and coverage.
As outreach efforts for enrollment in the health insurance marketplaces created by the Affordable Care Act (ACA) increase over the summer, the August Kaiser Health Tracking Poll finds that the public’s most trusted sources of information on the law are not necessarily the ones people are most likely to be hearing from.
This webinar looks at insurance rates and plan offerings in the new state-based marketplaces. The Co-Directors of the Foundation’s Program for the Study of Health Reform and Private Insurance, Senior Vice President Larry Levitt and Vice President Gary Claxton, will give a brief presentation on the early reports of rates, how and why they vary, and what consumers would pay after taking tax credits into account. They will also answer journalists’ questions about the new insurance market rules taking effect in 2014 and how to interpret insurance rates.