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Health Insurance

Governors: Get Your State Off This List

This week’s annual release of Census Bureau insurance data tells us that, once again, all states are not equal. Over 90 percent of women aged 18 to 64 in states like Massachusetts and Minnesota are insured. But, again this year, Texas leads the nation in the proportion of women without health insurance, with nearly one-third of women going without health coverage.

Here is the sad list of the worst states for women’s health insurance coverage: Read more »

New Health Insurance Data: A Revealing Look at Coverage Before The ACA

Today, the Census Bureau released new data about the number of Americans with health insurance. The Current Population Survey (CPS) offers a revealing look at Americans’ health coverage in 2013. The data does not yet reflect the full implementation of the Affordable Care Act (ACA), but provides a baseline to understand who had coverage and from where prior to full ACA implementation, setting us up for some interesting analysis next year.

In brief, too many women remained uninsured in 2013. Overall, 14 percent of women and girls lack health insurance coverage. For adult women 18 to 64 the proportion is even higher; 17 percent of women went without health insurance in 2013. Read more »

The Story Behind the Numbers: Health Insurance

Tomorrow, the Census Bureau will release new data on poverty, income, and health insurance in the United States in 2013. As we get ready to crunch numbers, we thought it would be helpful to take a deeper look at what these numbers will tell us about health insurance.

Where does this data come from?

Once a year, the Census Bureau includes additional questions on health coverage and income within their monthly Current Population Survey. This supplement is known as the Annual Social and Economic Supplement (ASEC). The ASEC questions regarding health insurance explore whether each member of the respondent household had insurance coverage throughout the previous calendar year, and if so, what kind of coverage. According to the Census Bureau, the ASEC is the most widely used source of data on health insurance coverage in the U.S. Read more »

Unaffordable Health Care By Any Other Name

Women make up a large majority of the low wage workforce — many without access to affordable health insurance . The Affordable Care Act was supposed to change that. However, for millions of women and their families, something called the “family glitch” puts help with insurance premiums out of reach. But it really isn’t a glitch  because the IRS could have interpreted the law differently.

If you have access to health insurance coverage outside the health insurance marketplace (if you have coverage through your employer or a public insurance program such as Medicaid), then you are not eligible for the health insurance tax credits. But there is a special rule for employment based coverage – if your employer offers coverage that is unaffordable or doesn’t provide enough coverage, then you can say no to your employer coverage and enroll in the marketplace with a health insurance tax credit (if you’re otherwise eligible for the tax credit). Read more »

It Works! New Data on Health Insurance and the New Health Care Law

If you had any doubt that the new health care law is helping women and their families get health insurance – and given the Chicken Little-level hysteria that seems to still affect critics of the new law, you can be forgiven for harboring a few doubts – a new survey released yesterday should calm those fears. According to Gallup, the uninsured rate for adults in states that have implemented both major coverage components of the Affordable Care Act has fallen, on average, 2.5 percentage points in the first three months of full implementation. These 21 states and the District of Columbia, which expanded coverage through Medicaid and established their own health insurance marketplaces (including those running “partnership” marketplaces), have widened the gap in average rates of uninsurance between themselves and states that have not taken both of these steps. Read more »

Governor of Maine Denies Healthcare for 70,000 Mainers

Last week, Governor LePage blocked health coverage to hardworking Maine residents by vetoing a bill that would have provided Medicaid to 70,000 people.

Maine is one of 24 states that have not taken federal funding to cover more people in Medicaid. Under the health care law, women and their families in every state are eligible for tax credits to help them afford health insurance, depending on their family income. In states that accept federal money to expand coverage through Medicaid, people with lower incomes will also have affordable coverage. But in states that turn down the money, people with lower incomes (and those who do not meet other strict eligibility criteria) will not get any financial help for health insurance costs. That’s the “coverage gap” too many women and families are facing right now. Read more »

Making Insurance Work for Seven Million and Counting

In case you haven’t heard – over seven million Americans have enrolled in private health insurance thanks to the Affordable Care Act (ACA). The numbers are still coming in, so this number will continue to grow as state-based Marketplaces as well as Medicaid and CHIP enrollment is added up. The numbers alone tell a great success story, but some news reports are quibbling about whether these numbers reflect previously uninsured Americans or people choosing to switch plans.

The goal of the health care law is to ensure that everyone has access to high-quality health insurance that fits their budget. Before the law, many people didn’t have any health insurance and others – women, in particular – paid high premiums for skimpy coverage.

Women who already had health insurance have a lot to gain by purchasing their coverage through the new Marketplaces. The individual market has long discriminated against women by charging them higher premiums just because they’re women and excluding coverage of important services like maternity care. Now, women no longer have to worry that they will be denied coverage because of a pre-existing condition or dropped from coverage when they get sick. They will know that their coverage won’t run out when they need it most and they won’t have to worry that burdensome out-of-pocket expenses will prevent them from receiving the care they need. Read more »

Think You Can't Afford Health Insurance? Think Again!

Most people shopping for health insurance through the Obamacare Marketplace will be eligible for financial assistance—called the Premium Tax Credit—to help them cover the cost of insurance. We’re talking real help—the average amount of financial assistance per family is estimated to be $5,290. Time is running out to sign up this year—the deadline to get started is next Monday, March 31! Read on to get answers to some commonly asked questions about the Premium Tax Credit—and then dash on over to healthcare.gov or call (800) 318-2596 and get started on your application today!

Am I eligible? 

There are three basic eligibility requirements for the Premium Tax Credit:

  1. Your income must be between 100%-400% of the federal poverty line (for a family of four, that’s an income between $23,550 and $94,200).
  2. You must buy health insurance through the Marketplace (sometimes called Exchange)—either by visiting www.healthcare.gov or calling (800) 318-2596. 
  3. To receive the Premium Tax Credit, you can’t be eligible for other health insurance coverage—either through another government program like Medicaid or Medicare, or through your employer.

Virginia Lawmakers Must Act Now and Cover More People in Medicaid

Each week, my colleague Stephanie Glover and I take a short trip to Arlington to volunteer as Certified Application Counselors (CACs). We talk to Virginians about the health coverage options available under the Affordable Care Act (ACA) and help them enroll in an affordable comprehensive insurance plan. It is very exciting to meet new clients each week—all of whom are uninsured—who are eager to learn about their options and obtain coverage.

The best part of the experience is enrolling a previously uninsured family into health insurance that meets their needs and fits their budget. Clients leave the office happy and incredibly thankful to the volunteers. The worst part of this experience is telling clients that, unfortunately, they are not eligible to enroll today. I try to explain they are not eligible to enroll in a private plan because their income is below the poverty level which means they do not qualify for federal subsidies and yet they earn too much income (or fail to meet other eligibility criteria) to qualify for Virginia’s current Medicaid program.

Because Virginia is one of 26 states that have not taken federal funding to cover more people in Medicaid, hundreds of thousands of residents fall into this “coverage gap.” Most clients are confused and do not understand why they cannot enroll—they have all of their tax paperwork and other documentation with them, and are ready to complete the process. They leave the office frustrated and disappointed. Some ask what they should do in the meantime. Others say they will check with the Medicaid office in the summer to see if anything has changed. Read more »

Health Insurance — A Rite of Spring for 2014

The start of spring brings some seasonal maternal responsibilities. My daughter is six, so these tasks include finding the shin guards and cleats that she dumped in a closet after the last soccer game last fall – ideally before the first spring soccer game, not after. Determining if she has outgrown all, or only half, of her warmer-weather clothes. Helping her finally ride her bike with confidence, and without training wheels.

I expect that as kids get older, these springtime responsibilities might change a bit. Maybe I will need to nudge her to keep working on a year-end project or to practice before the spring piano recital. Or to use some caution and common sense during a spring break trip to the beach. Read more »