Wednesday, October 20, 2021

How Many People Had Health Insurance Before Obamacare

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Enrollments For 2016 And Beyond

Do You Need Health Insurance? I Pay $680 Premium for ACA Plan

In the Updated Estimates of the Effects of the Insurance Coverage Provisions of the Affordable Care Act, January 2015, the CBO and JCT estimated that coverage through the exchanges to be at an average of 6 million for 2014 . That number is projected to increase to an average of 12 million people in 2015, 21 million in 2016, and 24 25 million in each year between 2017 and 2024. Roughly three-quarters of those enrollees are expected to receive exchange subsidies. These totals represent the whole of the calendar year, not enrollments at any given date. This shouldnt be confused with total enrollments in any type of coverage. Those numbers are similar, thereby resulting in 26 million more insured under the ACA by 2017 than without it.

Enrollment is expected to increase as people respond to subsidies and to penalties for failure to obtain coverage. The same report shows a decline in baseline projections on the ACAs cost and lower premium prices than originally projected in 2010 or 2013.

Obamacare Dates To Know

Oct. 1 — March 31 open enrollment for health insurance marketplaces.

Dec. 14 — buy your plan through the exchange by this date if you want it to start by January 1, 2014

Jan. 1, 2014 — all legal residents and U.S. citizens must have qualifying health coverage

Oct. 15- Dec. 7, 2014 –the next Open Enrollment Period for the marketplaces.

The launch of Obamacare was disappointing for many people who actually wanted to use the government website to enroll in health insurance.

Technical problems with the federal website, HealthCare.gov, made signing up online difficult for some users. The high volume of traffic to the insurance exchange portal contributed to these problems.

I am the first to acknowledge that the website that was supposed to do this all in a seamless way has had way more glitches than I think are acceptable, President Obama told KCCI, a CNN affiliate in Des Moines, Iowa.

A senior administration official told CNN that techs are working around the clock to get the site working better. But there also has been some confusion over user passwords. When CNN called the government help line, we were told passwords established in the first week of October were no longer valid and new passwords were needed to access the site; the Department of Health and Human Services told us that information was inaccurate.

Next week, congressional oversight hearings will begin, where politicians will ask questions about why the rollout had so many problems.

When Did Obamacare Start

The timeline of key events leading up to the passage of the Obamacare law began in 2009. Here is a list of those events, along with key provisions that went into place after the law was enacted.

  • July 2009: Speaker of the House Nancy Pelosi and a group of Democrats from the House of Representatives reveal their plan for overhauling the health-care system. Its called H.R. 3962, the Affordable Health Care for America Act.
  • August 25, 2009: Massachusetts Senator Ted Kennedy, a leading supporter of health-care reform, dies and puts the Senate Democrats 60-seat supermajority required to pass a piece of legislation at risk.
  • September 24, 2009: Democrat Paul Kirk is appointed interim senator from Massachusetts, which temporarily restores the Democrats filibuster-proof 60th vote.
  • November 7, 2009: In the House of Representatives, 219 Democrats and one Republican vote for the Affordable Health Care for America Act, and 39 Democrats and 176 Republicans vote against it.
  • December 24, 2009: In the Senate, 60 Democrats vote for the Senates version of the bill, called Americas Healthy Future Act, whose lead author is senator Max Baucus of California. Thirty-nine Republicans vote against the bill, and one Republican senator, Jim Bunning, does not vote.

New Hhs Data Show More Americans Than Ever Have Health Coverage Through The Affordable Care Act

31 Million People Currently Enrolled in Marketplace or Medicaid Expansion

Today, the U.S. Department of Health and Human Services released a new report that shows 31 million Americans have health coverage through the Affordable Care Act a record.  The report also shows that there have been reductions in uninsurance rates in every state in the country since the laws coverage expansions took effect. People served by the health Marketplaces and Medicaid expansion have reached record highs.  

The data shows those individuals currently enrolled in health coverage through the Health Insurance Marketplaces and Medicaid expansion under the ACA, including 11.3 million people enrolled in the ACA Marketplace plans as of February 2021 and 14.8 million newly-eligible people enrolled in Medicaid through the ACAs expansion of eligibility to adults as of December 2020. 

In addition, there are one million people enrolled in the ACAs Basic Health Program, and nearly four million previously-eligible adult Medicaid enrollees who gained coverage under expansion due to the ACAs enhanced outreach, streamlined applications, and increased federal funding under the ACA. Todays report shows the important role the ACA has played in providing coverage to millions of Americans nationwide.

Obamacare Enrollment And Sign

Obamacare.... how many people are uninsured???

NOTE: From here out there is a lot of historic data, since enrollment numbers are constantly changing. Historic data can be useful, but check above for the current numbers.

Below are some quick facts that will help you understand how the enrollment numbers for the Affordable Care Actss major coverage provisions work. We are always updating this section, as actual enrollment numbers change all the time due to enrollments and plan drops. Keep in mind that our current totals rely on studies by both official entities like CMS and HHS and third parties like Gallup.

See the data below the quick facts section for detailed explanations and citations of numbers.

The 2020 enrollment numbers: 2019 data shows that about 8.3 million were enrolled in the federal marketplace healthcare.gov alone during open enrollment 2018.

The 2019 enrollment numbers: 2019 data shows that about 8.4 million were enrolled in the federal marketplace healthcare.gov alone during open enrollment 2018.

The 2018 enrollment numbers: 11.8 million people enrolled in the federal and state marketplaces in 2018 . Meanwhile, about 11.9 million were covered under Medicaid expansion.

TIP: The information blow mostly references the first few years of the ACA when there was a lot of information published and interest in the topic. It is still historically interesting and useful, but the information above should give you almost everything you need on the topic.

New Payment And Delivery Models

One approach to payment reform under the ACA is bundled payment, whereby an insurer makes a single payment to a group of providers for all services that might be provided to a patient for a given medical condition or procedure. The payment, contractually determined in advance, is intended to encourage better coordination among the various providers involved in a given patient’s care. Some 7,000 post-acute care providers, hospitals, and physician organizations have signed up to participate in bundled-payment demonstrations . Early evidence suggests that bundled payments can reduce medical costs and improve patient satisfaction .

The ACA also incentivized the development of alternative delivery models, such as accountable care organizations. Those involve collaboration among physicians, hospitals, and other health-care entities in a shared-risk arrangement. The alternative delivery models were intended to encourage provider organizations to address patient health needs better, to reduce the amount of hospital and ED care, and to meet quality goals. Their effectiveness and their effects on clinical practice, however, are still matters of considerable debate .

A Timeline Of Health Care Reforms 2010 2022

Here is an easy to understand Health Care Reform Timeline 2010 2022. The healthcare reform timeline lays out health insurance reforms and health care milestones contained within the Affordable Care Act . Find out how the new health care law affects healthcare in the United States and you each year.

The Politics Of Health Care

While numerous studies show that uninsured rates have decreased sharply across the country under the ACA, and while Americans favorable opinion of health care reform has been rising steadily, the law remains as politically divisive as ever. Since 2010, the ACA has seen more than 50 repeal attempts by a Republican-led House and a previous Supreme Court challenge in 2012. That case, National Federation of Independent Business v Sebelius, led to a milestone decision by the court upholding another crucial provision of the lawthe individual mandate requiring most Americans to obtain minimum essential health insurance starting in 2014.

The ACA is expected to be a key issue in the 2016 presidential race, with the emerging field of GOP White House hopefuls fine-tuning their campaign rhetoric. In announcing his candidacy earlier this year, Texas Senator Ted Cruz vowed to repeal every single word of the health care law. Governor Bobby Jindal of Louisiana has also promised to repeal the ACA if elected president.

Taking a more measured approach, Senator Rand Paul has said that while he would like to see the ACA repealed, he would consider allowing states to run their own health exchanges. This would include his own states health insurance marketplace, Kynect. However, according to Kynects executive director, Carrie Banahan, the exchange could not function effectively without the individual subsidies and Medicaid expansion, two key components of the health care law.

Cost Limits On Coverage

Why the U.S. never got universal health care

Before, insurance companies could limit how much they would spend covering your benefits. Some plans had a lifetime limit, which would not cover over a certain amount, regardless of how long you had the plan. So if within the first two years of having that plan you reached your lifetime limit, your insurance company would cover nothing beyond that and any additional cost would be up to you. Similarly, many plans had an annual limit with set a cap on how much they would cover each year. Insurance companies offering individual health plans and job-based plans are prohibited from doing this under the Affordable Care Act.2

Changes Required By The Affordable Care Act After 180 Days

  • September 23, 2010 :
  • Seniors are entitled to a $250 rebate to close the Medicare Part D coverage gap.
  • A government website is created to allow people to search for information about health insurance companies, available plans, and other essential facts.
  • Insurers are not permitted to exclude pre-existing conditions from coverage for children.
  • October 19, 2010: eHealth publishes its first in a series of resources to help uninsured children navigate differences in individual states.
  • Coverage Highlights Under The Aca

    Under the ACA, health insurance carriers are required to grant the following provisions for all policyholders.

  • Subsidized Coverage: Since health insurance mandated by the ACA might cause individuals and households to incur additional expenses beyond their means, the federal government is subsidizing individuals for health coverage if their annual income falls below a certain threshold. Consumers who earn less than 400% of the FPL qualify for this subsidy. eHealthInsurance provides an online subsidy calculator to help web users determine the amount to which they are entitled. Please see the subsidy data table below for specific figures.
  • Consumer Protection: Policy-holders and health insurance companies have fought a long-standing battle regarding health conditions that prompt providers to drop coverage to beneficiaries. Now, under the ACA:
  • Policy-holders cannot be denied coverage due to a pre-existing condition, such as a permanent disability or chronic illness. In fact, insurance fraud is the only case in which an individual may be denied coverage. Additionally, providers cannot charge higher premiums for women or individuals facing chronic health issues.
  • Plans must include free preventive services, and insurance providers cannot impose limitations on Essential Health Benefits, such as screenings and preventive treatments that reduce the risk of cancer and other diseases.
  • Ambulatory patient services
  • Mental health and substance abuse disorder services
  • Prescription drugs
  • How The Patient Protection And Affordable Care Act Changed The Health

    The ACA included payment-reform provisions to incentivize the adoption of more effective care-delivery models . The new models involve some combination of shared risk among providers to enhance collaboration and coordination of care so as to reduce avoidable hospitalizations, ED visits, and other forms of expensive or unnecessary care. To protect against stinting, quality metrics are often used to evaluate provider performance. Beyond payment models, the ACA encouraged the narrowing of provider networks and reshaped the delivery of long-term services and supports, all of which have implications for the ways in which people who have disabilities receive care and for the documentation of that care in the medical record. Also relevant is the Health Information Technology for Economic and Clinical Health Act, which was enacted as part of the American Recovery and Reinvestment Act of 2009 and incentivized investments in electronic medical records . We discuss each in turn.

    What Is The Patient Protection And Affordable Care Act

    20 Obamacare Stats Republicans Dont Want You to See ...

    The Affordable Care Act is actually two pieces of legislation the Patient Protection and Affordable Care Act and the Health Care Education Reconciliation Act of 2010. The PPACA is predominantly concerned with ensuring millions more low-income Americans are eligible for Medicaid. It also works to improve existing Medicaid provisions and strengthen the Childrens Health Insurance Program . Some specific goals of the PPACA include working to improve long-term care services, quality of care, delivery systems, and access for more Americans.

    What The Aca Means For Pharma

    Five years may be too little time to tell with any certainty how health reform is affecting prescription drug coverage, cost, and use. For instance, some experts expect only modest increases in prescription drug use, while others predict a more significant rise, considering that the drug benefit is used more frequently and by more people than any other benefit., However, one thing is clear: the ACA has put in motion a number of dynamic changes that, in the long term, have the potential to significantly transform the nations pharmaceutical marketplace:

    Further implications of the ACA that are expected to have a major impact on the pharmaceutical industry include:

    • The trend toward accountable care organizations and other models that increase provider accountability for the cost and quality of care. The number of ACOs more than tripled a year after ACA passage, and by the end of 2013, more than 600 ACOs were operating across the country.

    • The need for cost-effective alternatives to expensive therapies.

    • Increased data transparency with the intent of supporting consumer decision-making and promoting high-value care.

    Why Are Insured Americans Spending So Much Of Their Income On Health Care Costs

    Several factors may be contributing to high underinsured rates among adults in individual market plans and rising rates in employer plans:

  • Although the Affordable Care Acts reforms to the individual market have provided consumers with greater protection against health care costs, many moderate-income Americans have not seen gains. The ACAs essential health benefits package, cost-sharing reductions for lower- income families, and out-of-pocket cost limits have helped make health care more affordable for millions of Americans. But while the cost-sharing reductions have been particularly important in lowering deductibles and copayments for people with incomes under 250 percent of the poverty level , about half of people who purchase marketplace plans, and all of those buying plans directly from insurance companies, do not have them.
  • The bans against insurers excluding people from coverage because of a preexisting condition and rating based on health status have meant that individuals with greater health needs, and thus higher costs, are now able to get health insurance in the individual market. Not surprisingly, the survey data show that people with individual market coverage are somewhat more likely to have health problems than they were in 2010, which means they also have higher costs.
  • Growth in Americans incomes has not kept pace with growth in health care costs. Even when health costs rise more slowly, they can take an increasingly larger bite out of incomes.
  • More Screenings Are Covered

    The ACA covers many screenings and preventive services. These usually have low copays or deductibles. The hope is that if youre proactive in your healthcare, you can avoid or delay major health problems later.

    Healthier consumers will lead to lower costs over time. For example, a diabetes screening and early treatment may help prevent costly and debilitating treatment later.

    The ACA is going to help all Americans have higher quality and less costly healthcare in the decades to come, says Dr. Christopher Lillis, an internist in Virginia and a member of Doctors for America.

    Its Made Insurers Richer

    The Republican health care bill makes no sense

    The health care industry supported the law a decade ago because it offered them tens of millions more in paying customers. These guys supported the A.C.A. for very good and very self-interested reasons, said Dr. Len Nichols, a health policy professor at George Mason University.

    In the early years though, it wasnt clear that the insurance market created under the law was going to work. Healthcare.gov, the federal online marketplace, got off to a shaky start, with technical issues keeping people from enrolling in plans. Insurers also had difficulty pricing their plans. After decades of carefully selecting whom they insured, insurers were forced to operate under the new requirement to offer anyone a policy, even if that person had a potentially expensive medical condition, without charging a much higher price.

    Many insurers suffered heavy losses at first. Some of the biggest players in health insurance abandoned the market. UnitedHealth Group, one of the nations largest insurers, bowed out in 2016, citing losses of $1 billion. Lawmakers worried about so-called bare counties, places where insurers would simply refuse to offer coverage because there werent enough customers or prices were too high to stay in business.

    How Many People Has Obamacare Really Insured

      One of the key questions surrounding Obamacare is just how many people have been newly insured under the law. The answer is clouded by the fact that the White House and others have changed some rules of math for making these assessments.

      For example, several years ago, the Obama administration fiddled with the Census Bureaus definition of what it means to be uninsured. The new parameters, which were looser than the old factors, make it hard to construct comparisons between todays figures for the total number of uninsured and the historical trends.

      The Obama team also abruptly started to exclude uninsured illegal immigrants from the national tally on total number of uninsured Americans. Before Obamacare, these individuals were counted in that reporting, inflating the numbers. After Obamacare, these individuals didnt get insurance, but suddenly didnt get counted any more.

      Now, a new analysis from the highly regarded managed care analyst at Goldman Sachs, Matthew Borsch, and his team, cast uncertainty on some of the recent data releases from the White House, and its network of academicians. In particular, the Goldman breakdown conflicts in some key ways with a recent analysis from RAND that was published in the journal Health Affairs and widely cited by the media.

      You can follow Dr. Scott Gottlieb on Twitter

      Also on Forbes:

      The Aca Lowered Costs For Seniors On Medicare

      Altogether, ACA programs have saved seniors more than $20 billion on prescription drugs since the laws passage, and seniors have benefited from no-cost preventive services such as cancer screenings and wellness visits. By closing the Medicare Part D coverage gapalso known as the donut holethe ACA has helped lower beneficiaries out-of-pocket costs for prescription drugs. Prior to the ACA, seniors who reached a certain level of prescription drug spending faced a coverage gap, in which they had to pay the full cost of all prescription drugs, before the plans catastrophic coverage kicked in. Before the ACA closed the coverage gap, about 5 million Medicare enrollees fell into it.

      The ACA also invested in other improvements for the Medicare program by establishing the Center for Medicare and Medicaid Innovation, which is responsible for developing ways to improve patient care and lower health care costs.

      Preventive Care Is Covered For Free

      Preventive care is one of the essential health benefits that’s covered on all individual and small group plans under the ACA. But it’s also required to be covered on large group plans and self-insured plans . You can find an extensive list of preventative health services that are covered at no cost to the patient under the ACA’s preventive-care mandate on the U.S. Centers for Medicare & Medicaid Services’ website: HealthCare.gov.

      Politicstrump Signed Off On Last

      20 Obamacare Stats Republicans Dont Want You to See ...

      The number of those who have signed up for coverage also could be higher than 1 million, as the latest figures from the Department of Health and Human Services only covers the 36 states that use Healthcare.gov, the federal website. It does not account for those enrolling in the 14 states and Washington, D.C., that oversee their own markets they are also able to take advantage of the new subsidies and many opened their own special enrollment period in response to the pandemic.

      These 36 states have had, in essence, four years of drought, neglect and active efforts to, in essence, discourage enrollment, said Peter V. Lee, the executive director of California’s health benefit exchange. And now weve had a Biden administration that did marketing, that actually got the word out and affirmatively said, If people are uninsured, they should know theyve got options. Theyve also added what I would call fertilizer, which is the new subsidies from the American Rescue Plan.

      The Biden administration has invested $100 million into Affordable Care Act marketing and $80 million into nonprofit navigator programs that help individuals sign up for health care coverage. Much of that funding was stripped away under President Donald Trump.

      Lee said that California has also seen a bump in enrollment, although its not as sizable as the federal spike because the state consistently put high levels of funding into marketing and navigation programs.

      It really is a sea change, he said.

      Actions To Hinder Implementation

      Under both ACA and the AHCA, CBO reported that the health exchange marketplaces would remain stable. However, Republican politicians took a variety of steps to undermine it, creating uncertainty that adversely impacted enrollment and insurer participation while increasing premiums. Concern of the exchanges became another argument for reforms. Past and ongoing Republican attempts to weaken the law have included:

      The Timeline Of Obamas Health Care Reform 2010 2022

      Many of the protections, reforms, and taxes are already enacted. Some of the biggest changes roll out in 2014. Our timeline of health care reform breaks down what has already happened and what is scheduled to happen each year until ObamaCare is fully implemented.

      NOTE: Please note that some provisions have been changed over time. Some have been removed, some never implemented, and some postponed. Make sure to check our site for updates on any given provision.

      ObamaCare Health Care Reform Timeline 2010-2012

      First, lets start with the facts on what ObamaCare has done to reform the healthcare industry so far:

      ObamaCare allowed the FDA to approve more generic drugs to drive competition up and prices down.

      ObamaCare increased rebates on drugs through Medicare for Seniors.

      ObamaCare is closing the Part D Medicare Coverage Gap or Donut Hole that was forcing Seniors to pay out of pocket for drug costs. There is also a 50% discount on brand-name drugs. Seniors currently get a rebate to cover the costs, and ObamaCare is scheduled to close the Medicare coverage gap for good in 2020.

      The PCORI, an independent non-profit advisory board, also known as the Patient-Centered Outcomes Research Institute, studies different types of treatments to ensure quality affordable healthcare under ObamaCare.

      Health Insurance companies cant drop your coverage when you are sick.

      Individuals cant be denied coverage for pre-existing conditions.

      ObamaCare Health Care Reform Timeline 2013

      Obamacare Enrollment Numbers Overview

      During the year, many dropped their plans or didnt renew them for 2015. In fact, only 4.5 million people renewed their plans on HealthCare.Gov by the end of 2014. As of January 2015, the uninsured rate was 12.9% according to Gallup . By the end of the 1st quarter 2015, it dropped to 11.9%. That translates to about 16.4 million Americans having coverage who wouldnt have had coverage without the ACA. The changes have been on par with projections and are expected to decrease each year.

      HHS originally projected 9.1 million Marketplace enrollments by February 15, 2015 . The CBO projected and averaged 12 million Marketplace total enrollments throughout the year. The actual number was 11.7 million.

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