Critical Issue: Uninsured Americans

By: Jon Chao

Agenda
Facts on uninsured Americans

Goals of the ACA

Exchange marketplace & cost SWOT analysis of the ACA Medicaid expansion Conclusion

Key Facts: Uninsured

Over 47 million non- elderly uninsured Americans Why are so many Americans uninsured?
High cost of insurance Lost of employment

Who are the uninsured?

Low-income working families Young adults Population living in poverty

Goals of the ACA

Signed into law on March, 2010 and will begin coverage on January, 2014 Decreasing the number of uninsured Americans Offering affordable insurance through health insurance marketplace Expansion of Medicaid/subsidized programs
Medicaid for Americans earning up to 138% of FPL, while income earning 400% of FPL will be eligible for subsidies
FPL for individual is $11,490 FPL for family of three is $19,530

Exchange Marketplace
Health insurance marketplace
Plague with problems

Essential benefits
Checkups Having a baby Emergency Care Prescription Drugs Free Preventive Care (shots & Screen Tests

Cost

How Much Do I Pay?

SWOT Analysis
Strengths:
Medicaid expansion Establishes subsidy program for low and moderate-income People with pre-existing condition can no longer be denied coverage

Weaknesses:
Health insurance marketplace (exchanges) having technical problems Americans will opt out and pay the penalty High cost of premiums and out-of-pocket cost

Opportunities:

ACA

Threats:

Ensure that millions of Americans without insurance can have access to affordable health care insurance Children up to age 26 can retain coverage under parents health insurance

Cancellation of non-compliance insurance States are not expanding their Medicaid program ACA enemies

Medicaid Expansion
States expanding Medicaid program
25 states expanding Medicaid 4 states are considering 21 states are not expanding

Supreme Courts ruled that States do not have to expand Medicaid Coverage
This will leave millions of Americans uninsured

Medicaid Expansion
Uninsured Americans

States Medicaid Expansion

By the Numbers
4.8 million will be uninsured in only five states
Texas 22% Florida 16% Georgia 8% North Carolina 7% Pennsylvania 6% Other states 41%

22.3 million adults with income up to or below 138% of FPL who will qualify for Medicaid will remain uninsured

Uninsured Americans: Critical Issue?

Uninsured Americans will continue to be a critical issue With high cost of premiums and out-of-pocket cost
Insurance will remain unaffordable for low-income individuals and families

Not all states are implementing Medicaid program

As a result, millions of Americans will be left with no insurance

Conclusion
There are 47 million uninsured Americans in the United States. The ACA will help with decreasing the number of Americans that are uninsured by expanding Medicaid and providing subsidies for private insurance, but until all remaining 25 states implement their Medicaid program, the Medicaid expansion will reach only half the number of uninsured people it could, leaving many poor uninsured adults without health insurance coverage.

References
CBSDFW. (2013, September 4). Who are the uninsured in america?. Retrieved from http://dfw.cbslocal.com/2013/09/04/who-are-the-uninsured-in-america/

Kaiser Family Foundation. (2013, september 26). Key facts about the
uninsured population . Retrieved from http://citationmachine.net/index2.php?reqstyleid=2&mode=form&rsid=5&reqsrcid=APAWebPage&more=yes&nameCnt=1 Kaiser Family Foundation. (2013, October 23). The uninsured: A primer - key facts about health insurance on the eve of coverage expansions. Retrieved from http://citationmachine.net/index2.php?reqstyleid=2&mode=form&reqsrcid=APAWebPage Kaiser Family Foundation. (2013, October 23). The coverage gap: Uninsured poor adults in states that do not expand medicaid. Retrieved from http://kff.org/health-reform/issue-brief/the-coverage-gapuninsured-poor-adults-in-states-that-do-not-expand-medicaid/ Kaiser Family Foundation. (2013, July). Analyzing the impact of state medicaid expansion decisions. Retrieved from http://kaiserfamilyfoundation.files.wordpress.com/2013/07/8458-analyzing-theimpact-of-state-medicaid-expansion-decisions2.pdf Kenney, G., Dubay, L., Zuckerman,, S., & Huntress, M. (2012, July 5). Opting out of the medicaid expansion under the aca: How many uninsured adults would not be eligible for medicaid?. Retrieved from References cont.

References
Sun, L., & Kliff, S. (2013, November 22). State-run health insurance exchanges report november enrollment surge. Retrieved from http://www.washingtonpost.com/politics/november-surge-seen-in-obamacaresign-ups-in-states/2013/11/22/4233cc50-539e-11e3-9fe0-fd2ca728e67c_story.html http://www.urban.org/UploadedPDF/412607-Opting-Out-of-the-MedicaidExpansion-Under-the-ACA.pdf OregonHealthAnswers.org. (2013). 7 healthcare changes and how they affect you. Retrieved from oregonhealthanswers.org Miller, D. (2011). The uninsured. Farmington Hills, MI: Greenhaven Press. The Advisory Board Company. (2013 , November 6). Where the states stand on medicaid expansion. Retrieved from http://www.advisory.com/DailyBriefing/Resources/Primers/MedicaidMap