ACA Is Uninsuring the Insured | Mercatus Center

August 16, 2017

The number of people with individual health-insurance coverage is shrinking. Despite $146 billion in federal subsidies to low-income households and well-capitalized insurers, 2.6 million fewer people had individual policies in March 2017 than in March 2016, a drop of nearly 15 percent.

Source: ACA Is Uninsuring the Insured | Mercatus Center


Much of Rural Nevada Left With Zero ObamaCare Options in 2018 | Fox News Insider

August 8, 2017

Anthem announced it will back out of Nevada’s ObamaCare market next year, leaving most rural Nevada counties without a single ObamaCare insurer in 2018.

The insurance company also plans to cut its Georgia presence in half, and has already withdrawn from Ohio, Indiana, Wisconsin, and much of California.

“This is a significant blow to the state’s individual market,” Nevada Gov. Brian Sandoval (R) said in a statement. He added that he is “frustrated and disappointed” by Anthem’s “surprise and abrupt decision to leave the healthcare exchange.”

As many as 868,000 people nationally could lose coverage next year if the insurance companies planning to leave the Affordable Care Act markets do so. Seventeen counties nationally, 14 of them in Nevada will completely lose options in the Affordable Care Act next year.

Source: Much of Rural Nevada Left With Zero ObamaCare Options in 2018 | Fox News Insider


NIHCM – After Changing Insurance Carriers, Do Patients Change Physicians and Use Emergency Departments More?

August 1, 2017

What This Study Found

  • Visits to new primary care physicians (PCPs) increased significantly for patients changing insurers relative to patients staying with the same insurer.
  • For patients initially covered by Medicaid, the monthly rate of visits to new PCPs increased by an average of more than 200 percent after changing insurers, and their rate of visits to new specialists rose by almost 50 percent.
  • For patients initially covered by private insurance, changing carriers was associated with a nearly 50 percent increase in new PCP visits while visits to new specialists fell slightly. The overall decline in new specialist visits was caused by lower use among patients who faced higher deductibles after changing plans.
  • These average utilization changes reflected larger changes in use shortly after the insurance switch that diminished over the subsequent year.
  • The rate of ED visits increased significantly for Medicaid patients in the month of their insurance transition, relative to levels seen in the four to twelve months before the transition, but quickly returned to baseline levels.

Source: NIHCM – After Changing Insurance Carriers, Do Patients Change Physicians and Use Emergency Departments More?


Subsidizing Health Insurance for Low-Income Adults: Evidence from Massachusetts

June 22, 2017

Subsidizing Health Insurance for Low-Income Adults: Evidence from
Massachusetts. Amy Finkelstein, Nathaniel Hendren, Mark Shepard∗
April 2017.

Abstract: How much are low-income individuals willing to pay for health insurance, and what are the implications for insurance markets? Using administrative data from Massachusetts’ subsidized insurance exchange, we exploit discontinuities in the subsidy schedule to estimate willingness to pay and costs of insurance among low-income adults. As subsidies decline, insurance take-up falls rapidly, dropping about 25% for each $40 increase in monthly enrollee premiums. Marginal enrollees tend to be lower-cost, consistent with adverse selection into insurance. But across the entire distribution we can observe – approximately the bottom 70% of the willingness to pay distribution – enrollee willingness to pay is three to four times below own expected medical costs. As a result, we estimate that take-up will be highly incomplete even with generous subsidies: if enrollee premiums were 25% of insurers’ average costs, at most half of potential enrollees would buy insurance, and even premiums subsidized down to 10% of average costs would still leave at least 20% uninsured. We briefly consider explanations for this finding – which suggests an important role for uncompensated care for the uninsured – and explore normative implications for insurance subsidies for low-income individuals.

https://scholar.harvard.edu/files/hendren/files/commcare.pdf


The disappearing ACA insurance market – Axios

June 19, 2017

We’ve all heard about the insurers that are pulling out of Affordable Care Act marketplaces, but sometimes you have to see it to really get it. This map is based on data from the Kaiser Family Foundation for the first four years of the ACA marketplaces. You can really see the difference in 2017, when high-profile insurance exits left 21 percent of all ACA customers with only one insurer in their area.

Source: The disappearing ACA insurance market – Axios


Community Health Centers: Recent Growth and the Role of the ACA – Issue Brief – 8961 | The Henry J. Kaiser Family Foundation

February 6, 2017

In 2013, 65% of health center patients were insured (Figure 3) – 41% by Medicaid, 14% by private insurance, 8% by Medicare, and 2% by other public insurance. By 2015, 76% of health center patients had coverage – an increase of 11 percentage points. About half were covered by Medicaid, 17% by private insurance, 9% by Medicare, and 1% by other public insurance. These increases in coverage coincided with implementation of the ACA insurance expansions, which began January 1, 2014. The increased share of patients with Medicaid reflects the low-income communities served by health centers. The potential for gains in private insurance in these communities is more limited because of the high concentration of poverty and the fact that individuals with income below 100% FPL are not eligible for subsidies to purchase coverage in the ACA marketplaces.

Source: Community Health Centers: Recent Growth and the Role of the ACA – Issue Brief – 8961 | The Henry J. Kaiser Family Foundation


Stopping Surprise Medical Bills: Federal Action Is Needed

February 1, 2017

Two recent nationwide studies, published in Health Affairs and The New England Journal of Medicine, both found that 20 percent of emergency department visits and resulting admissions at in-network facilities involved an out-of-network physician. The Health Affairs study conducted by researchers at the Federal Trade Commission, corroborated by other recent surveys, also highlights the problem of balance billing beyond only emergency physicians. Specifically, the Health Affairs authors found that 9 percent of elective inpatient care at an in-network facility with an in-network lead physician involved an out-of-network ancillary provider, and thus could have led to a surprise medical bill. Additionally, 51 percent of all ambulance rides in their data (primarily from large employer plans) were out of network.

Source: Stopping Surprise Medical Bills: Federal Action Is Needed