Presentation by Caroline Hanson, an analyst in CBO’s Health Analysis Division, on the agency's updated projections of health insurance coverage at a press briefing organized by Health Affairs.
Presentation by Julie Topoleski, Director of CBO’s Labor, Income Security, and Long-Term Analysis Division, at the 15th Annual Meeting of the OECD’s Working Party of Parliamentary Budget Officials and Independent Fiscal Institutions.
The federal government subsidizes health insurance for most Americans through a variety of programs and tax provisions. In 2017, net subsidies for people under age 65 will total $705 billion, CBO and the staff of the Joint Committee on Taxation (JCT) estimate.
This presentation provides an overview of CBO and JCT’s current baseline projections of health insurance coverage and how those projections have changed since March 2016, highlighting changes in Medicaid and CHIP enrollment and nongroup coverage.
Presentation by Jessica Banthin, Deputy Assistant Director in CBO’s Health, Retirement, and Long-Term Analysis Division, at a Congressional Research Service seminar on CBO’s methods for developing cost estimates.
Spending on federal health care programs is growing rapidly, driven by rising enrollment and rising health care spending per enrollee. This presentation describes CBO’s analyses related to health care, explains how the agency uses its health insurance simulation model, and provides examples of how CBO documents its work.
Presentation by Robert Sunshine, Senior Advisor in CBO’s Office of the Director, at the 10th Annual Meeting of the OECD Network of Parliamentary Budget Officials and Independent Fiscal Institutions.
Presentation by Julie Topoleski, Director of CBO’s Labor, Income Security, and Long-Term Analysis Division, at the 15th Annual Meeting of the OECD’s Working Party of Parliamentary Budget Officials and Independent Fiscal Institutions.
The federal government subsidizes health insurance for most Americans through a variety of programs and tax provisions. In 2017, net subsidies for people under age 65 will total $705 billion, CBO and the staff of the Joint Committee on Taxation (JCT) estimate.
This presentation provides an overview of CBO and JCT’s current baseline projections of health insurance coverage and how those projections have changed since March 2016, highlighting changes in Medicaid and CHIP enrollment and nongroup coverage.
Presentation by Jessica Banthin, Deputy Assistant Director in CBO’s Health, Retirement, and Long-Term Analysis Division, at a Congressional Research Service seminar on CBO’s methods for developing cost estimates.
Spending on federal health care programs is growing rapidly, driven by rising enrollment and rising health care spending per enrollee. This presentation describes CBO’s analyses related to health care, explains how the agency uses its health insurance simulation model, and provides examples of how CBO documents its work.
Presentation by Robert Sunshine, Senior Advisor in CBO’s Office of the Director, at the 10th Annual Meeting of the OECD Network of Parliamentary Budget Officials and Independent Fiscal Institutions.
HISIM2 is an updated version of the model CBO uses to generate estimates of health insurance coverage and premiums for people under age 65. The model is used along with other models to develop CBO’s baseline budget projections (which incorporate the assumption that current law generally remains the same). It is also used to estimate the effects of proposed changes in policies that affect health insurance coverage.
Presentation on federal health care spending by Carrie Colla, Director of CBO's Health Analysis Division, at a Trustee Briefing of the Committee for Economic Development of The Conference Board.
Presentation by Philip Ellis, CBO’s Deputy Assistant Director for Health, Retirement, and Long-Term Analysis, to staff of the U.S. Department of Commerce.
This presentation describes CBO’s general approach to policy analysis and its role in supporting the Congress; summarizes several elements of the agency’s projections of health care spending; and reviews examples of policy proposals and approaches affecting health care that CBO has analyzed recently.
May 2017 Summary of the American Health Care Act T.docxalfredacavx97
May 2017
Summary of the American Health Care Act
This summary describes key provisions of H.R. 1628, the American Health Care Act, as approved by the House
of Representatives on May 4, 2017, as a plan to repeal and replace the Affordable Care Act (ACA) through the
Fiscal Year 2017 budget reconciliation process.
American Health Care Act
H.R. 1628
Date plan
announced
March 6, 2017; passed by the House of Representatives on May 4, 2017
Overall
approach
Repeal ACA mandates (2016), standards for health plan actuarial values (2020),
and, premium and cost sharing subsidies (2020).
Modify ACA premium tax credits for 2018-2019 to increase amount for younger
adults and reduce for older adults; allow tax credits to apply to coverage sold outside
of exchanges and to catastrophic policies. In 2020, replace ACA income-based tax
credits with flat tax credits adjusted for age. Eligibility for new tax credits phases out
at income levels between $75,000 and $115,000
Retain private market rules, including requirement to guarantee issue coverage,
prohibition on pre-existing condition exclusions, requirement to extend dependent
coverage to age 26. Modify age rating limit to permit variation of 5:1, unless states
adopt different ratios, effective 2018. Retain essential health benefits requirement,
with state option to waive. Retain prohibition on health status rating with state
option to waive for individual market applicants who have not maintained continuous
coverage.
Retain health insurance marketplaces, annual Open Enrollment periods (OE), and
special enrollment periods (SEPs).
Impose late enrollment penalty for people who don’t stay continuously covered.
Establish Patient and State Stability Fund with federal funding of $115 billion over
9 years available to all states, and additional funding of $8 billion over 5 years for
states that elect community rating waivers. States may use funds to provide financial
help to high-risk individuals, promote access to preventive services, provide cost
sharing subsidies, and for other purposes. In 2020, $15 billion of funds shall be used
only for services related to maternity coverage and newborn care, and mental health
and substance use disorders. [For 2018-2026, a further $15 billion is allocated
through the fund for Federal Invisible Risk Sharing Program (reinsurance). This
program is established as part of the fund, though administered by CMS to make
payments directly to health insurers.] In states that don’t successfully apply for
grants, funds will be used for reinsurance program.
Repeal funding for Prevention and Public Health Fund at the end of Fiscal Year
2018 and rescind any unobligated funds remaining at the end of FY 2018. Provide
supplemental funding for community health centers of $422 million for FY 2017
Encourage use of Health Savings Accounts by increasing annual tax free
co.
The federal government subsidizes health insurance for most Americans through a variety of programs and tax provisions. In 2017, net subsidies for people under age 65 will total $705 billion, CBO and the staff of the Joint Committee on Taxation (JCT) estimate.
This presentation provides an overview of CBO and JCT’s current projections of health insurance coverage and how those projections have changed since March 2016, highlighting changes in Medicaid and CHIP enrollment and nongroup coverage.
Jessica Banthin, Deputy Assistant Director in CBO’s Health, Retirement, and Long-Term Analysis Division, will deliver this presentation on December 7, 2017, at the Inforum Outlook Conference at the University of Maryland.
This presentation explains the process followed by CBO and the staff of the Joint Committee on Taxation (JCT) when estimating the costs of legislative proposals affecting health insurance coverage. An example is the agencies’ estimate of how repealing the individual mandate to have health insurance would affect federal deficits.
Presentation by Sarah Masi, an analyst in CBO’s Budget Analysis Division, at a Congressional Research Service seminar on CBO’s methods for developing cost estimates.
Mercer Capital's Value Focus: Medtech & Device Industry | Q3 2019 | Article: ...Mercer Capital
"Mercer Capital provides medical device manufacturers, related start-up enterprises, and private equity funds with valuation services, including purchase price allocation, 409a compliance, goodwill impairment testing, and other transaction and valuation advisory services.
Each issue includes a segment focus, market overview, mergers and acquisitions review, and more."
Health Reform Bulletin 137 | Delay of Certain ACA Taxes and Fees; Benefit and...CBIZ, Inc.
On January 22, 2018, President Trump signed H.R. 195. Along with providing short-term government funding, it also extends funding of the Children's Health Insurance Program (CHIP) for six years through 2023. This program provides low-cost health coverage to children in families who do not qualify for Medicaid, as well as for pregnant women residing in certain states.
The Patient Protection and Affordable Care Act De.docxoreo10
The Patient Protection and Affordable Care Act
Detailed Summary
The Patient Protection and Affordable Care Act will ensure that all Americans have access to quality,
affordable health care and will create the transformation within the health care system necessary to
contain costs. The Congressional Budget Office (CBO) has determined that the Patient Protection and
Affordable Care Act is fully paid for, will provide coverage to more than 94% of Americans while
staying under the $900 billion limit that President Obama established, bending the health care cost
curve, and reducing the deficit over the next ten years and beyond.
The Patient Protection and Affordable Care Act contains nine titles, each addressing an essential
component of reform:
Quality, affordable health care for all Americans
The role of public programs
Improving the quality and efficiency of health care
Prevention of chronic disease and improving public health
Health care workforce
Transparency and program integrity
Improving access to innovative medical therapies
Community living assistance services and supports
Revenue provisions
Title I. Quality, Affordable Health Care for All Americans
The Patient Protection and Affordable Care Act will accomplish a fundamental transformation of
health insurance in the United States through shared responsibility. Systemic insurance market reform
will eliminate discriminatory practices such as pre-existing condition exclusions. Achieving these
reforms without increasing health insurance premiums will mean that all Americans must be part of the
system and must have coverage. Tax credits for individuals and families will ensure that insurance is
affordable for everyone. These three elements are the essential links to achieve reform.
Immediate Improvements: Achieving health insurance reform will take some time to implement. In
the immediate reforms will be implemented in 2010. The Patient Protection and Affordable Care Act
will:
Eliminate lifetime and unreasonable annual limits on benefits
Prohibit rescissions of health insurance policies
Provide assistance for those who are uninsured because of a pre-existing condition
Require coverage of preventive services and immunizations
Extend dependant coverage up to age 26
Develop uniform coverage documents so consumers can make apples-to-apples comparisons
when shopping for health insurance
Cap insurance company non-medical, administrative expenditures
2
Ensure consumers have access to an effective appeals process and provide consumer a place to
turn for assistance navigating the appeals process and accessing their coverage
Create a temporary re-insurance program to support coverage for early retirees
Establish an internet portal to assist Americans in identifying coverage options
Facilitate administrative simplification to lower health system costs
Heal ...
Presentation by Carrie Colla, Director of CBO's Health Analysis Division, and Chapin White, Deputy Director of CBO's Health Analysis Division, to the Committee for a Responsible Federal Budget.
Presentation by Jared Jageler, David Adler, Noelia Duchovny, and Evan Herrnstadt, analysts in CBO’s Microeconomic Studies and Health Analysis Divisions, at the Association of Environmental and Resource Economists Summer Conference.
HISIM2 is an updated version of the model CBO uses to generate estimates of health insurance coverage and premiums for people under age 65. The model is used along with other models to develop CBO’s baseline budget projections (which incorporate the assumption that current law generally remains the same). It is also used to estimate the effects of proposed changes in policies that affect health insurance coverage.
Presentation on federal health care spending by Carrie Colla, Director of CBO's Health Analysis Division, at a Trustee Briefing of the Committee for Economic Development of The Conference Board.
Presentation by Philip Ellis, CBO’s Deputy Assistant Director for Health, Retirement, and Long-Term Analysis, to staff of the U.S. Department of Commerce.
This presentation describes CBO’s general approach to policy analysis and its role in supporting the Congress; summarizes several elements of the agency’s projections of health care spending; and reviews examples of policy proposals and approaches affecting health care that CBO has analyzed recently.
May 2017 Summary of the American Health Care Act T.docxalfredacavx97
May 2017
Summary of the American Health Care Act
This summary describes key provisions of H.R. 1628, the American Health Care Act, as approved by the House
of Representatives on May 4, 2017, as a plan to repeal and replace the Affordable Care Act (ACA) through the
Fiscal Year 2017 budget reconciliation process.
American Health Care Act
H.R. 1628
Date plan
announced
March 6, 2017; passed by the House of Representatives on May 4, 2017
Overall
approach
Repeal ACA mandates (2016), standards for health plan actuarial values (2020),
and, premium and cost sharing subsidies (2020).
Modify ACA premium tax credits for 2018-2019 to increase amount for younger
adults and reduce for older adults; allow tax credits to apply to coverage sold outside
of exchanges and to catastrophic policies. In 2020, replace ACA income-based tax
credits with flat tax credits adjusted for age. Eligibility for new tax credits phases out
at income levels between $75,000 and $115,000
Retain private market rules, including requirement to guarantee issue coverage,
prohibition on pre-existing condition exclusions, requirement to extend dependent
coverage to age 26. Modify age rating limit to permit variation of 5:1, unless states
adopt different ratios, effective 2018. Retain essential health benefits requirement,
with state option to waive. Retain prohibition on health status rating with state
option to waive for individual market applicants who have not maintained continuous
coverage.
Retain health insurance marketplaces, annual Open Enrollment periods (OE), and
special enrollment periods (SEPs).
Impose late enrollment penalty for people who don’t stay continuously covered.
Establish Patient and State Stability Fund with federal funding of $115 billion over
9 years available to all states, and additional funding of $8 billion over 5 years for
states that elect community rating waivers. States may use funds to provide financial
help to high-risk individuals, promote access to preventive services, provide cost
sharing subsidies, and for other purposes. In 2020, $15 billion of funds shall be used
only for services related to maternity coverage and newborn care, and mental health
and substance use disorders. [For 2018-2026, a further $15 billion is allocated
through the fund for Federal Invisible Risk Sharing Program (reinsurance). This
program is established as part of the fund, though administered by CMS to make
payments directly to health insurers.] In states that don’t successfully apply for
grants, funds will be used for reinsurance program.
Repeal funding for Prevention and Public Health Fund at the end of Fiscal Year
2018 and rescind any unobligated funds remaining at the end of FY 2018. Provide
supplemental funding for community health centers of $422 million for FY 2017
Encourage use of Health Savings Accounts by increasing annual tax free
co.
The federal government subsidizes health insurance for most Americans through a variety of programs and tax provisions. In 2017, net subsidies for people under age 65 will total $705 billion, CBO and the staff of the Joint Committee on Taxation (JCT) estimate.
This presentation provides an overview of CBO and JCT’s current projections of health insurance coverage and how those projections have changed since March 2016, highlighting changes in Medicaid and CHIP enrollment and nongroup coverage.
Jessica Banthin, Deputy Assistant Director in CBO’s Health, Retirement, and Long-Term Analysis Division, will deliver this presentation on December 7, 2017, at the Inforum Outlook Conference at the University of Maryland.
This presentation explains the process followed by CBO and the staff of the Joint Committee on Taxation (JCT) when estimating the costs of legislative proposals affecting health insurance coverage. An example is the agencies’ estimate of how repealing the individual mandate to have health insurance would affect federal deficits.
Presentation by Sarah Masi, an analyst in CBO’s Budget Analysis Division, at a Congressional Research Service seminar on CBO’s methods for developing cost estimates.
Mercer Capital's Value Focus: Medtech & Device Industry | Q3 2019 | Article: ...Mercer Capital
"Mercer Capital provides medical device manufacturers, related start-up enterprises, and private equity funds with valuation services, including purchase price allocation, 409a compliance, goodwill impairment testing, and other transaction and valuation advisory services.
Each issue includes a segment focus, market overview, mergers and acquisitions review, and more."
Health Reform Bulletin 137 | Delay of Certain ACA Taxes and Fees; Benefit and...CBIZ, Inc.
On January 22, 2018, President Trump signed H.R. 195. Along with providing short-term government funding, it also extends funding of the Children's Health Insurance Program (CHIP) for six years through 2023. This program provides low-cost health coverage to children in families who do not qualify for Medicaid, as well as for pregnant women residing in certain states.
The Patient Protection and Affordable Care Act De.docxoreo10
The Patient Protection and Affordable Care Act
Detailed Summary
The Patient Protection and Affordable Care Act will ensure that all Americans have access to quality,
affordable health care and will create the transformation within the health care system necessary to
contain costs. The Congressional Budget Office (CBO) has determined that the Patient Protection and
Affordable Care Act is fully paid for, will provide coverage to more than 94% of Americans while
staying under the $900 billion limit that President Obama established, bending the health care cost
curve, and reducing the deficit over the next ten years and beyond.
The Patient Protection and Affordable Care Act contains nine titles, each addressing an essential
component of reform:
Quality, affordable health care for all Americans
The role of public programs
Improving the quality and efficiency of health care
Prevention of chronic disease and improving public health
Health care workforce
Transparency and program integrity
Improving access to innovative medical therapies
Community living assistance services and supports
Revenue provisions
Title I. Quality, Affordable Health Care for All Americans
The Patient Protection and Affordable Care Act will accomplish a fundamental transformation of
health insurance in the United States through shared responsibility. Systemic insurance market reform
will eliminate discriminatory practices such as pre-existing condition exclusions. Achieving these
reforms without increasing health insurance premiums will mean that all Americans must be part of the
system and must have coverage. Tax credits for individuals and families will ensure that insurance is
affordable for everyone. These three elements are the essential links to achieve reform.
Immediate Improvements: Achieving health insurance reform will take some time to implement. In
the immediate reforms will be implemented in 2010. The Patient Protection and Affordable Care Act
will:
Eliminate lifetime and unreasonable annual limits on benefits
Prohibit rescissions of health insurance policies
Provide assistance for those who are uninsured because of a pre-existing condition
Require coverage of preventive services and immunizations
Extend dependant coverage up to age 26
Develop uniform coverage documents so consumers can make apples-to-apples comparisons
when shopping for health insurance
Cap insurance company non-medical, administrative expenditures
2
Ensure consumers have access to an effective appeals process and provide consumer a place to
turn for assistance navigating the appeals process and accessing their coverage
Create a temporary re-insurance program to support coverage for early retirees
Establish an internet portal to assist Americans in identifying coverage options
Facilitate administrative simplification to lower health system costs
Heal ...
Presentation by Carrie Colla, Director of CBO's Health Analysis Division, and Chapin White, Deputy Director of CBO's Health Analysis Division, to the Committee for a Responsible Federal Budget.
Similar to Health Insurance for People Younger Than Age 65: Expiration of Temporary Policies Projected to Reshuffle Coverage, 2023 to 2033 (20)
Presentation by Jared Jageler, David Adler, Noelia Duchovny, and Evan Herrnstadt, analysts in CBO’s Microeconomic Studies and Health Analysis Divisions, at the Association of Environmental and Resource Economists Summer Conference.
Presentation by Mark Hadley, CBO's Chief Operating Officer and General Counsel, at the 2nd NABO-OECD Annual Conference of Asian Parliamentary Budget Officials.
Presentation by Daria Pelech, an analyst in CBO’s Health Analysis Division, at the Center for Health Insurance Reform McCourt School of Public Policy, Georgetown University.
This slide deck highlights CBO’s key findings about the outlook for the economy as described in its new report, The Budget and Economic Outlook: 2024 to 2034.
Presentation by CBO analysts Rebecca Heller, Shannon Mok, and James Pearce, and Census Bureau research economist Jonathan Rothbaum at the American Economic Association Annual Meeting, Committee on Economic Statistics.
Presentation by Eric J. Labs, an analyst in CBO’s National Security Division, at the Bank of America 2024 Defense Outlook and Commercial Aerospace Forum.
Presentation by Elizabeth Ash, William Carrington, Rebecca Heller, and Grace Hwang of CBO’s Labor, Income Security, and Long-Term Analysis and Health Analysis divisions to the Children’s Health Group, American Academy of Pediatrics.
Presentation by Molly Dahl, Chief of CBO’s Long-Term Analysis Unit, at a meeting of the National Conference of State Legislatures’ Budget Working Group.
In the President’s 2024 budget request, total military compensation is $551 billion, including veterans' benefits. That amount represents an increase of 134 percent since 1999 after removing the effects of inflation.
What is the point of small housing associations.pptxPaul Smith
Given the small scale of housing associations and their relative high cost per home what is the point of them and how do we justify their continued existance
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
Many ways to support street children.pptxSERUDS INDIA
By raising awareness, providing support, advocating for change, and offering assistance to children in need, individuals can play a crucial role in improving the lives of street children and helping them realize their full potential
Donate Us
https://serudsindia.org/how-individuals-can-support-street-children-in-india/
#donatefororphan, #donateforhomelesschildren, #childeducation, #ngochildeducation, #donateforeducation, #donationforchildeducation, #sponsorforpoorchild, #sponsororphanage #sponsororphanchild, #donation, #education, #charity, #educationforchild, #seruds, #kurnool, #joyhome
Russian anarchist and anti-war movement in the third year of full-scale warAntti Rautiainen
Anarchist group ANA Regensburg hosted my online-presentation on 16th of May 2024, in which I discussed tactics of anti-war activism in Russia, and reasons why the anti-war movement has not been able to make an impact to change the course of events yet. Cases of anarchists repressed for anti-war activities are presented, as well as strategies of support for political prisoners, and modest successes in supporting their struggles.
Thumbnail picture is by MediaZona, you may read their report on anti-war arson attacks in Russia here: https://en.zona.media/article/2022/10/13/burn-map
Links:
Autonomous Action
http://Avtonom.org
Anarchist Black Cross Moscow
http://Avtonom.org/abc
Solidarity Zone
https://t.me/solidarity_zone
Memorial
https://memopzk.org/, https://t.me/pzk_memorial
OVD-Info
https://en.ovdinfo.org/antiwar-ovd-info-guide
RosUznik
https://rosuznik.org/
Uznik Online
http://uznikonline.tilda.ws/
Russian Reader
https://therussianreader.com/
ABC Irkutsk
https://abc38.noblogs.org/
Send mail to prisoners from abroad:
http://Prisonmail.online
YouTube: https://youtu.be/c5nSOdU48O8
Spotify: https://podcasters.spotify.com/pod/show/libertarianlifecoach/episodes/Russian-anarchist-and-anti-war-movement-in-the-third-year-of-full-scale-war-e2k8ai4
ZGB - The Role of Generative AI in Government transformation.pdfSaeed Al Dhaheri
This keynote was presented during the the 7th edition of the UAE Hackathon 2024. It highlights the role of AI and Generative AI in addressing government transformation to achieve zero government bureaucracy
Understanding the Challenges of Street ChildrenSERUDS INDIA
By raising awareness, providing support, advocating for change, and offering assistance to children in need, individuals can play a crucial role in improving the lives of street children and helping them realize their full potential
Donate Us
https://serudsindia.org/how-individuals-can-support-street-children-in-india/
#donatefororphan, #donateforhomelesschildren, #childeducation, #ngochildeducation, #donateforeducation, #donationforchildeducation, #sponsorforpoorchild, #sponsororphanage #sponsororphanchild, #donation, #education, #charity, #educationforchild, #seruds, #kurnool, #joyhome
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
Health Insurance for People Younger Than Age 65: Expiration of Temporary Policies Projected to Reshuffle Coverage, 2023 to 2033
1. Presentation at a Press Briefing Organized by Health Affairs
May 24, 2023
Caroline Hanson
Health Analysis Division
Health Insurance for People Younger Than
Age 65: Expiration of Temporary Policies
Projected to Reshuffle Coverage, 2023 to 2033
For information about the press briefing, see www.healthaffairs.org/do/10.1377/he20230522.713788/full/. For more information about the Congressional Budget Office’s 2023 baseline
projections of health insurance coverage for people under age 65, see Caroline Hanson and others, “Health Insurance for People Younger Than Age 65: Expiration of Temporary
Policies Projected to Reshuffle Coverage, 2023–33,” Health Affairs (May 2023), https://health-policy.healthaffairs.org/hanson/june2023issue/aop. For more information about CBO’s
baseline projections of federal subsidies for that coverage, see Congressional Budget Office, "Federal Subsidies for Health Insurance Coverage for People Under Age 65: CBO and
JCT’s May 2023 Baseline Projections,“ (May 2023), www.cbo.gov/data/baseline-projections-selected-programs#6.
2. 1
Temporary policies enacted in the wake of the coronavirus pandemic have
contributed to a record low percentage of people who are uninsured in 2023, 8.3
percent, and record high enrollment in Medicaid and marketplace coverage.
As those policies expire under current law, the distribution of coverage will
change, and the share of people who lack insurance is expected to increase.
Although higher than the share of people who lack insurance in 2023, the share
in 2033, 10.1 percent, is still projected to be lower than the 2019 share of about
12 percent.
Employment-based coverage has been and is forecast to continue to be the
largest source of insurance coverage in the United States.
Key Points
3. 2
For more details, see Jessica Banthin and others, Sources and Preparation of Data Used in HISIM2—CBO’s Health Insurance Simulation Model, Working Paper 2019-04
(Congressional Budget Office, April 2019), www.cbo.gov/publication/55087; and Congressional Budget Office, “HISIM2: The Health Insurance Simulation Model Used in Preparing
CBO’s July 2021 Baseline Budget Projections” (July 2021), www.cbo.gov/publication/57205.
CBO’s projections apply to the civilian noninstitutionalized population younger
than age 65 residing in the 50 states and Washington, D.C.
The estimates are largely produced by the agency’s health insurance simulation
model, or HISIM2.
HISIM2 is a structural expected utility model that is updated annually to
incorporate the most recent data, recently enacted legislation and other policy
changes, and CBO’s most recent macroeconomic forecast.
CBO’s coverage estimates also depend on other models, such as CBO’s
Medicaid and Medicare models.
The estimates are based on an assumption that laws as of March 30, 2023,
remain in place.
The Congressional Budget Office’s Modeling of Health Insurance
Coverage
4. 3
Health Insurance Coverage for People Younger Than Age 65, by
Type of Coverage and Income, 2023
Sources of coverage vary
substantially by income.
People with lower income
(income less than
150 percent of the federal
poverty level, or FPL) are
more likely to be uninsured
than people with higher
income (400 percent of the
FPL or more). When they
are covered, people with
lower income are most
often covered by Medicaid
or the Children’s Health
Insurance Program (CHIP),
and people with higher
income are most often
covered by employment-
based coverage.
5. 4
Health Insurance Coverage for People Younger Than Age 65, by
Type of Coverage and Race and Ethnicity, 2023
CBO has developed the
capacity to report coverage
by race and ethnicity, which
varies, but to a lesser extent
than coverage by income.
Employment, income, and
immigration status are
important drivers of variation
in coverage by race and
ethnicity.
6. 5
The Families First Coronavirus Response Act of 2020 increased the federal
medical assistance percentage, or FMAP (the formula that determines the federal
matching rate for Medicaid), by 6.2 percentage points for most enrollees for the
duration of the COVID-19 public health emergency.
To receive the enhanced funding, states were required to provide continuous
eligibility to enrollees in Medicaid and CHIP, allowing people to remain enrolled
regardless of changes in their eligibility.
Medicaid enrollment grew by 16.1 million from 2019 to 2022, largely because of
the continuous eligibility provisions.
The Consolidated Appropriations Act of 2023 concluded the continuous eligibility
provisions. As a result, states were allowed to resume disenrolling people
beginning in April 2023 without losing an enhanced FMAP.
Medicaid’s Continuous Eligibility Provisions
7. 6
Initial Transitions in Coverage in the 18 Months Beginning in April
2023, After the End of Medicaid’s Continuous Eligibility Provisions
Continuous eligibility
provisions contributed to a
significant increase in
Medicaid enrollment,
including among people with
another source of coverage.
As the policy unwinds over
18 months, 15.5 million
people are expected to leave
Medicaid, with 6.2 million of
them projected to become
uninsured. Some of those
people would have been
eligible for Medicaid if they
had completed the
administrative requirements
associated with the
redetermination process.
8. 7
Beginning in 2021, the subsidies available for the purchase of marketplace
coverage were enhanced. The amounts increased for those who were already
eligible, and eligibility was extended to people with income greater than
400 percent of the FPL. Under current law, the enhanced subsidies extend
through 2025.
In 2023, a regulatory change was made to address an issue often referred to as
the family glitch. Under the new regulation, the affordability of an employer’s offer
of insurance for spouses and dependents is determined by the cost of the family
premium, rather than the employee’s self-only premium.
Various other administrative and judicial actions over the past several years have
also affected marketplace enrollment, including changes to income verification
requirements.
Policy Changes Affecting Marketplace Enrollment
9. 8
Effects of Policy Changes on Total Marketplace Enrollment, 2023
to 2027
The enhancement of the
subsidies has increased
enrollment in the
marketplace by 4 million
people in 2023. Marketplace
enrollment is projected to
grow through 2025, as the
effect of the enhanced
subsidies and the change to
the affordability test are fully
phased in. Other factors,
such as the end of the
continuous eligibility
provisions, also contribute to
growth.
10. 9
a. Includes people with other kinds of insurance, such as coverage through the Basic Health Program, Medicare, student health plans, coverage provided by the Indian Health Service,
or coverage from foreign sources.
Projected Health Insurance Coverage for People Younger than Age
65, by Calendar Year, 2022 to 2033
Millions of People
Actual,
2022 2023 2024 2025 2026 2027
Average,
2028 to 2032 2033
Total Population Under Age 65 271 271 271 271 271 271 271 273
Employment-Based Coverage 157 155 155 155 156 157 158 159
Medicaid and CHIP 84 83 74 71 71 71 71 72
Subsidized Marketplace 12 14 16 17 12 11 11 11
Unsubsidized Nongroup 5 4 5 5 7 7 7 7
Other Coveragea 12 11 11 11 11 11 11 11
Uninsured 24 23 25 26 27 28 28 28
Multiple Sources of Coverage 22 20 15 14 14 14 14 14
Uninsurance Rate (Percent)
Including all U.S. residents 8.7 8.3 9.3 9.7 10.1 10.4 10.3 10.1
Excluding noncitizens not lawfully
present
6.8 6.4 7.3 7.7 8.2 8.6 8.4 8.2
11. 10
Projected Growth Rates for Premiums
Relatively high short-term
growth rates in private health
insurance premiums are
attributable to both
economywide inflation and to
the continued bouncing back of
medical spending after
suppressed utilization early in
the pandemic.
Premium growth in the
nongroup market is forecast to
surpass that for private health
insurance premiums in 2026–
2027 period largely because
healthier enrollees are
disproportionately more likely to
exit the nongroup market when
the enhanced subsidies expire.
12. 11
Projections of health insurance coverage depend on CBO’s macroeconomic
forecast, which depends on a large number of national and global forces.
Actual coverage depends on the actions of and interactions among many entities:
federal and state policymakers, employers, households, insurers.
CBO’s modeling depends on survey and administrative data, which are
imperfect. Measurement error in survey estimates of coverage is probably worse
now than before the pandemic.
Sources of Uncertainty in CBO’s Projections