In the United States, health insurance is a key component of accessing health care. Our research investigates how reform is changing the insurance coverage used by people with disabilities
Before the Patient Protection and Affordable Care Act (ACA), many Americans with disabilities were locked into poverty to maintain eligibility for Medicaid coverage. US Medicaid expansion under the ACA allows individuals to qualify for coverage without first going through a disability determination process and declaring an inability to work to obtain Supplemental Security Income. Medicaid expansion coverage also allows for greater income and imposes no asset tests. In this article, we share updates to our previous work documenting greater employment among people with disabilities living in Medicaid expansion states.
Throughout 2017, an online needs assessment survey was administered to nearly 150 CILs. In this survey, CHRIL set out to collect data regarding the CILs funding sources, staff perspectives on the concerns and interests of consumers, the type and frequency of health insurance counseling and enrollment assistance CILs offered, and questions or concerns CIL staff had regarding the health insurance marketplace.
The goal of this project is to determine the information, training, and technical assistance needs of CILs as they help consumers access healthcare and obtain or maintain health insurance coverage. The study used an electronic survey designed and administered through SurveyGizmo.
According to recent studies, the Affordable Care Act (ACA) improved access to health care and health insurance in the United States. Parts of the law say that insurers must cover people with pre-existing conditions. They also say that insurance must cover mental health services. Under the ACA, some states also chose to expand their Medicaid programs to cover more people.
Our study looked at the impact of the ACA and Medicaid expansion on health insurance coverage, access to health care, and employment for people with mental health conditions.
This article provides information on a state option in the American Health Care Act (AHCA) that allows for high-risk pools in health insurance plans. These plans place persons with preexisting conditions into a pool with others who may have high health care costs. In the past, high-risk pools have not made the cost of insurance affordable or provided adequate coverage to persons with or without preexisting conditions. High-risk pools operated in 35 states before the ACA was passed. At that time, the United States had 47 million uninsured people, 33 million of whom lived in states with high-risk pools. The authors believe that any legislation providing for high-risk pools would be a huge step backward for American health care policy.
It is estimated that 25.8 million adults aged 40-65 (26.7%) would be interested in paying for a public insurance program to cover PAS benefits. However, interest in PAS insurance varies by age, race, ethnicity, region, income, disability status, and family experience with ADL assistance. Only 1.8% said they would be willing to pay $100 per month or more for coverage. While more than a quarter of the middle-aged adult population said they were interested in PAS insurance, actual participation would be highly dependent on premium rates. The current lack of publicly subsidized insurance for long-term care and personal assistance services remains a serious gap in the disability service system.