Characteristics of Those Eligible for Cost-sharing Reductions and Premium Tax Credits Under the Affordable Care Act PDF Download
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Author: Linda J. Blumberg
Publisher:
ISBN:
Category :
Languages : en
Pages : 5
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Book Description
Under the ACA, approximately 23.2 million people will be eligible for financial assistance through the nongroup marketplaces in 2016. Of those 23.2 million, almost 60 percent are eligible for both tax credits to lower the cost of their health insurance premiums and CSRs to lower their direct out-of-pocket payments for medical services. Those eligible for both types of assistance are heavily concentrated in the South, almost half are single adults without children, and the majority are White. They differ from those eligible for premium tax credits alone in that they have lower income, tend to be younger, and more frequently report being in fair or poor health. In addition, if enrolled in the most comprehensive coverage for which they are eligible for assistance, they tend to incur somewhat higher health expenditures, consistent with their worse health status and their lower cost-sharing responsibilities. CSRs can play an important role in ensuring affordable access to care when needed, and comparing the characteristics of those eligible to receive them with those actually enrolling will allow us to identify individuals not being effectively reached through state, federal, and private outreach and enrollment efforts.
Author: Linda J. Blumberg
Publisher:
ISBN:
Category :
Languages : en
Pages : 5
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Book Description
Under the ACA, approximately 23.2 million people will be eligible for financial assistance through the nongroup marketplaces in 2016. Of those 23.2 million, almost 60 percent are eligible for both tax credits to lower the cost of their health insurance premiums and CSRs to lower their direct out-of-pocket payments for medical services. Those eligible for both types of assistance are heavily concentrated in the South, almost half are single adults without children, and the majority are White. They differ from those eligible for premium tax credits alone in that they have lower income, tend to be younger, and more frequently report being in fair or poor health. In addition, if enrolled in the most comprehensive coverage for which they are eligible for assistance, they tend to incur somewhat higher health expenditures, consistent with their worse health status and their lower cost-sharing responsibilities. CSRs can play an important role in ensuring affordable access to care when needed, and comparing the characteristics of those eligible to receive them with those actually enrolling will allow us to identify individuals not being effectively reached through state, federal, and private outreach and enrollment efforts.
Author: Tamara Thompson
Publisher: Greenhaven Publishing LLC
ISBN: 0737776196
Category : Young Adult Nonfiction
Languages : en
Pages : 130
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Book Description
The Patient Protection and Affordable Care Act (ACA) was designed to increase health insurance quality and affordability, lower the uninsured rate by expanding insurance coverage, and reduce the costs of healthcare overall. Along with sweeping change came sweeping criticisms and issues. This book explores the pros and cons of the Affordable Care Act, and explains who benefits from the ACA. Readers will learn how the economy is affected by the ACA, and the impact of the ACA rollout.
Author: Bernadette Fernandez
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
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Book Description
Certain individuals without access to subsidized health insurance coverage may be eligible for premium tax credits, as established under the Patient Protection and Affordable Care Act (ACA; P.L. 111-148, as amended). This report examines these tax credits and their eligibility requirements, as well as cost-sharing subsidies.
Author: Jesse Hinde
Publisher:
ISBN:
Category :
Languages : en
Pages : 62
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Book Description
The Patient Protection and Affordable Care Act (ACA) introduced several new policies in 2014, including an individual mandate, expanded Medicaid eligibility, and subsidized private coverage. Private subsidies include advance premium tax credits (APTCs) and cost-sharing reductions (CSRs). Individuals gain eligibility for APTCs and CSRs at 100% (138% in Medicaid expansion states) of the Federal Poverty Level (FPL), lose eligibility for CSRs at 250% FPL, and lose eligibility for the APTCs at 400% FPL. Using the Current Population Survey (CPS) and a regression discontinuity design, this study exploits the exogenous differences in subsidy eligibility in 2014 at three cutoffs to identify the separate and combined effects of the APTCs and CSRs on private insurance coverage. I estimate a 4.8 to 5.4 percentage point increase in private insurance coverage just above 138% FPL in Medicaid expansion states and a smaller effect above 100% FPL in non-expansion states attributable to the combined incentives. I calculate a demand elasticity for health insurance of -0.65 to -0.58, which is higher than most estimates in the literature, suggesting low-income individuals may be relatively more price responsive. There is no evidence of an effect on private health insurance at 250% FPL, attributable solely to the CSRs, and suggestive effects at 400% FPL, attributable to only the APTCs. Coverage increases do not appear to be driven by adverse selection, and there is no evidence of crowding-out or income manipulation around the cutoffs. APTC and CSR levels would need to be raised at higher incomes to induce more participation.
Author: National Academies of Sciences, Engineering, and Medicine
Publisher: National Academies Press
ISBN: 030946921X
Category : Medical
Languages : en
Pages : 161
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Book Description
The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.
Author: Institute of Medicine
Publisher:
ISBN: 9780309303606
Category : Medical
Languages : en
Pages : 0
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Book Description
Many of the elements of the Affordable Care Act (ACA) went into effect in 2014, and with the establishment of many new rules and regulations, there will continue to be significant changes to the United States health care system. It is not clear what impact these changes will have on medical and public health preparedness programs around the country. Although there has been tremendous progress since 2005 and Hurricane Katrina, there is still a long way to go to ensure the health security of the Country. There is a commonly held notion that preparedness is separate and distinct from everyday operations, and that it only affects emergency departments. But time and time again, catastrophic events challenge the entire health care system, from acute care and emergency medical services down to the public health and community clinic level, and the lack of preparedness of one part of the system places preventable stress on other components. The implementation of the ACA provides the opportunity to consider how to incorporate preparedness into all aspects of the health care system. The Impacts of the Affordable Care Act on Preparedness Resources and Programs is the summary of a workshop convened by the Institute of Medicine's Forum on Medical and Public Health Preparedness for Catastrophic Events in November 2013 to discuss how changes to the health system as a result of the ACA might impact medical and public health preparedness programs across the nation. This report discusses challenges and benefits of the Affordable Care Act to disaster preparedness and response efforts around the country and considers how changes to payment and reimbursement models will present opportunities and challenges to strengthen disaster preparedness and response capacities.
Author: American Dental Association
Publisher: American Dental Association
ISBN: 1941807712
Category : Medical
Languages : en
Pages : 60
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Book Description
Section 1557 is the nondiscrimination provision of the Affordable Care Act (ACA). This brief guide explains Section 1557 in more detail and what your practice needs to do to meet the requirements of this federal law. Includes sample notices of nondiscrimination, as well as taglines translated for the top 15 languages by state.
Author: David Mikkelsen
Publisher: Nova Biomedical Books
ISBN: 9781614701750
Category : Health insurance
Languages : en
Pages : 0
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Book Description
The total U.S. civilian non-institutionalized population in 2009 was estimated to be slightly more than 301 million, of whom 15.1 per cent or 45.5 million, were estimated by the American Community Survey to be without health insurance or uninsured. The uninsured are far more likely than those with health insurance to report problems getting needed medical care, less likely to follow recommended treatments because of costs, have less access to care, receive less preventive care, and are more likely to be hospitalized for avoidable health problems. Moreover, it is widely believed that the uninsured, when they need care, are less able to pay for their care since they do not have health insurance. Therefore, it also can be further assumed that other payers take on the financial burden of their care through higher prices. This book examines the plight of the uninsured in the United States today, by State and Congressional District.
Author: CCH Incorporated
Publisher: Wolters Kluwer
ISBN: 0808022873
Category : Law
Languages : en
Pages : 2114
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Book Description
The One Resource That Explains EVERY Provision of the Single Most Sweeping Piece of Legislation in 50 Years! CCH's Law, Explanation and Analysis of the Patient Protection and Affordable Care Act, Including Reconciliation Act Impact provides employers, legal, legislative, health, and insurance professionals with comprehensive explanation and analysis of every aspect of health care reform legislation. The information is crucial, current, and reliable and offers complete, clear and practical guidance on every provision. This is one of the most high-impact pieces of legislation passed in decades. Taken together, the laws are over 2,800 pages long. Many hundreds of changes are made to existing laws and– over 600 changes to the Social Security Act alone (which contains all of the Medicare and Medicaid law), including almost 50 newly added provisions. Other laws affected include the Employee Retirement Income and Security Act (ERISA), the Public Health Service Act, the Internal Revenue Code, and even the Fair Labor Standards Act, among others. Law, Explanation and Analysis of the Patient Protection and Affordable Care Act, Including Reconciliation Act Impact include contains almost 500 expert explanations telling you what all those law changes mean. Only Law, Explanation and Analysis of the Patient Protection and Affordable Care Act, Including Reconciliation Act Impact includes: An editorially enhanced version of the Patient Protection and Affordable Care Act that integrates in place changes made to it by the Reconciliation Act of 2010 and Title X amendments Text of the Joint Committee on Taxation report that provides background information on the revenue-related provisions of the laws Finding devices to help navigate between analysis and official text Caution notes The legislation contains the most significant health care changes in decades. Topics covered include the following: For employers: Enhanced employer responsibility Insurance market reforms Health insurance exchanges Individual responsibility mandate For health providers and beneficiaries: Expanded eligibility rules for Medicaid and the Children's Health Insurance Program Reimbursement changes for physicians and hospitals to focus on primary and preventive care Reimbursement changes for hospitals to increase coverage in rural areas Expansion of existing value-based purchasing and quality programs EXCLUSIVE ONLINE FEATURE! With your purchase of the book, you'll receive access to a special website that gives you access to SSA, ERISA, and IRC provisions amended by the Patient Protection and Affordable Care Act and the Reconciliation Act of 2010, as well as other valuable Health Care Reform information and resources. Full text of both Acts will also be provided on this exclusive website.
Author: Institute of Medicine
Publisher: National Academies Press
ISBN: 0309169054
Category : Medical
Languages : en
Pages : 296
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Book Description
Health Insurance is a Family Matter is the third of a series of six reports on the problems of uninsurance in the United Sates and addresses the impact on the family of not having health insurance. The book demonstrates that having one or more uninsured members in a family can have adverse consequences for everyone in the household and that the financial, physical, and emotional well-being of all members of a family may be adversely affected if any family member lacks coverage. It concludes with the finding that uninsured children have worse access to and use fewer health care services than children with insurance, including important preventive services that can have beneficial long-term effects.
