Before the Affordable Care Act (ACA), many people with disabilities were required to live in poverty to maintain their Medicaid eligibility. With Medicaid expansion, they can enter the workforce, increase earnings, and maintain coverage. This study confirmed that people with disabilities were more likely to be employed in the Medicaid expansion states compared with those in non-expansion states (38% vs 32%).Read More
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.Read More
Before the Affordable Care Act, people with disabilities had trouble buying private insurance. In 2014, private health insurance marketplaces opened in each state. Now people with pre-existing conditions could purchase private health insurance. Some people also qualified for a subsidy or a tax credit to help them purchase insurance. This report compares how the enrollment process, insurance costs, and coverage available for people with disabilities may have been different from others who enrolled in the marketplaces.Read More
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.Read More
This study looked at how much cost affected whether or not people filled their prescriptions. The percentage of all Americans who did not fill a prescription in the previous 12 months because they could not afford it grew from 1999 to 2009 to 8% and then dropped to 5% by 2015. For seniors, however, the number peaked in 2004 at 5% and dropped to 4% after implementation of Medicare Part D in 2006. With implementation of Medicare Part D and the Affordable Care Act, the number of prescriptions unfilled because of cost has declined.Read More
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.Read More