The document discusses key provisions and issues related to implementing the Affordable Care Act (ACA) in Minnesota, including:
- Medicaid expansion eligibility up to 138% of the federal poverty level.
- Health insurance exchanges to provide subsidies and plan comparisons for individuals and small businesses.
- An individual mandate requiring most people to have health insurance or pay a penalty.
- Employer provisions including penalties for large employers not providing coverage and incentives for small employers.
This document provides an overview of single-payer health care systems around the world. It defines key terms and describes examples of single-payer systems, including those in Canada, the UK, Norway, and Germany. These systems vary in their financing models but all aim to provide universal coverage through a public or quasi-public single payer. Outcomes like health spending, wait times, and access are compared. The document also discusses Vermont's initiative to establish a single-payer system called Green Mountain Care.
Medicaid Reporting in the ACS: Findings from Linked Administrative and Survey...soder145
This document summarizes a study that analyzed Medicaid reporting in the American Community Survey (ACS) by linking ACS data to Medicaid administrative records. The study found an implied Medicaid undercount in the ACS of 23%, though coverage was better reported in the ACS than in some other surveys. The undercount varied by age, income, state, benefit type, and enrollment tenure. The undercount contributed to an overestimate of the uninsured population of around 1.2 percentage points or 3.2 million people nationally.
This document provides an overview of managing diversity in the workplace. It defines diversity and discusses how the US workforce is changing in terms of gender, age, and racial/ethnic diversity. It also covers challenges like prejudice, discrimination, stereotypes, sexism, and ageism. The document outlines laws protecting employees, including those with disabilities, and the benefits of diversity for supervisors and organizations. It emphasizes the importance of communication, training, and creating an inclusive culture.
How Biden’s Pan for Health Care Benefits Communities of Color Obamacare was a big deal for communities of color. It expanded health coverage to millions, reduced costs and improved the quality of healthcare. It provided the following benefits:
PCG Human Services White Paper - Transitional Aged Youth Need Supports to Ach...Public Consulting Group
This document discusses supports needed for transitional aged youth (TAY) in foster care to achieve self-sufficiency. It defines TAY as those between ages 16-24 transitioning from foster care and notes they face higher risks of homelessness, unemployment, and lack of education without support. The document recommends child welfare agencies take a collaborative, outcome-based approach across five areas of support: social supports, health care, employment, housing, and education. It provides details on federal programs that address these areas, including Supplemental Security Income and Social Security Disability Insurance.
Medicaid vs. Marketplace Coverage for Near-Poor Adults: Impact on Out-of-Pock...soder145
1) The document analyzes the impact of state Medicaid expansion decisions on out-of-pocket health expenses and insurance coverage for low-income adults making 100-138% of the federal poverty level.
2) It finds that Medicaid expansion was associated with lower total out-of-pocket spending (a reduction of $353), lower premium spending (a reduction of $118), and lower medical spending (a reduction of $235) compared to non-expansion states.
3) Medicaid expansion also increased Medicaid coverage by 11.1 percentage points and decreased the uninsured rate by 4.5 percentage points for this low-income group relative to non-expansion states.
Elaborado anualmente pela The Economist Intelligence Unit, ligada à publicação britânica The Economist, o índice mede os níveis de democracia em 167 países e territórios.
This document provides an overview of single-payer health care systems around the world. It defines key terms and describes examples of single-payer systems, including those in Canada, the UK, Norway, and Germany. These systems vary in their financing models but all aim to provide universal coverage through a public or quasi-public single payer. Outcomes like health spending, wait times, and access are compared. The document also discusses Vermont's initiative to establish a single-payer system called Green Mountain Care.
Medicaid Reporting in the ACS: Findings from Linked Administrative and Survey...soder145
This document summarizes a study that analyzed Medicaid reporting in the American Community Survey (ACS) by linking ACS data to Medicaid administrative records. The study found an implied Medicaid undercount in the ACS of 23%, though coverage was better reported in the ACS than in some other surveys. The undercount varied by age, income, state, benefit type, and enrollment tenure. The undercount contributed to an overestimate of the uninsured population of around 1.2 percentage points or 3.2 million people nationally.
This document provides an overview of managing diversity in the workplace. It defines diversity and discusses how the US workforce is changing in terms of gender, age, and racial/ethnic diversity. It also covers challenges like prejudice, discrimination, stereotypes, sexism, and ageism. The document outlines laws protecting employees, including those with disabilities, and the benefits of diversity for supervisors and organizations. It emphasizes the importance of communication, training, and creating an inclusive culture.
How Biden’s Pan for Health Care Benefits Communities of Color Obamacare was a big deal for communities of color. It expanded health coverage to millions, reduced costs and improved the quality of healthcare. It provided the following benefits:
PCG Human Services White Paper - Transitional Aged Youth Need Supports to Ach...Public Consulting Group
This document discusses supports needed for transitional aged youth (TAY) in foster care to achieve self-sufficiency. It defines TAY as those between ages 16-24 transitioning from foster care and notes they face higher risks of homelessness, unemployment, and lack of education without support. The document recommends child welfare agencies take a collaborative, outcome-based approach across five areas of support: social supports, health care, employment, housing, and education. It provides details on federal programs that address these areas, including Supplemental Security Income and Social Security Disability Insurance.
Medicaid vs. Marketplace Coverage for Near-Poor Adults: Impact on Out-of-Pock...soder145
1) The document analyzes the impact of state Medicaid expansion decisions on out-of-pocket health expenses and insurance coverage for low-income adults making 100-138% of the federal poverty level.
2) It finds that Medicaid expansion was associated with lower total out-of-pocket spending (a reduction of $353), lower premium spending (a reduction of $118), and lower medical spending (a reduction of $235) compared to non-expansion states.
3) Medicaid expansion also increased Medicaid coverage by 11.1 percentage points and decreased the uninsured rate by 4.5 percentage points for this low-income group relative to non-expansion states.
Elaborado anualmente pela The Economist Intelligence Unit, ligada à publicação britânica The Economist, o índice mede os níveis de democracia em 167 países e territórios.
Paying for Value in Medicaid: A Synthesis of Advanced Payment Models in Four ...soder145
1. The document analyzes Medicaid payment reform models in four states - Arkansas, Minnesota, Oregon, and Pennsylvania.
2. State budget pressures often provided the initial motivation for reform. States aim to improve outcomes while containing costs through payment incentives and care delivery changes.
3. The models vary significantly between states but commonly seek to link payments to quality and cost performance measures in order to influence provider behavior.
Minnesota Accountable Health Model Continuum of Accountability Assessment: Ev...soder145
The document discusses Minnesota's Accountable Health Model and its Continuum of Accountability Assessment tool. It provides an overview of the tool, which assesses organizations on their capabilities and functions across 7 categories. It presents preliminary findings from completed assessment tools, including higher and lower average scores. It also compares scores between grant programs and urban vs. rural organizations. Evaluation of the tool will continue to track progress along the continuum over time.
Contrasting Measures of Health Insurance Literacy and their Relationship to H...soder145
This document summarizes research contrasting two measures of health insurance literacy and their relationship to health care access. The researchers analyzed data from a 2015 Minnesota health survey. They found that:
1) Understanding insurance terminology was associated with higher confidence in getting needed care and lower odds of forgone care, while proactive insurance use correlated with lower odds of forgone care.
2) Correlates of health insurance literacy, such as education, varied between the two measures.
3) Both measures captured distinct concepts and translated to improved access, though proactive use only predicted forgone care and not confidence in care.
4) The researchers concluded both measures have value but more work is needed to better operationalize
Adding complexity to an already difficult task: Monitoring the impact of the ...soder145
The document summarizes research comparing estimates of Medicaid enrollment in 2013 and 2014 from the American Community Survey (ACS) and Centers for Medicare and Medicaid Services (CMS) administrative data. The research finds that states with the largest increases in Medicaid enrollment according to CMS also tended to have the largest differences between ACS and CMS estimates, with ACS generally reporting lower enrollment. This suggests the ACS may overstate uninsurance rates where Medicaid enrollment increased substantially. However, misreported coverage likely represents shifts between coverage types rather than uninsurance. Future research should analyze additional years of data and link administrative and survey sources to better understand reporting errors.
The document summarizes key information from a webinar about 2015 health insurance coverage estimates from the American Community Survey (ACS) and Current Population Survey (CPS). It provides an overview of the surveys' methodologies, measures of health insurance coverage, changes in insurance rates from 2013 to 2015, and resources for accessing public data from the ACS and CPS. New products for analyzing health insurance coverage from both surveys were also announced.
The document summarizes a webinar presented by experts from the U.S. Census Bureau on the Small Area Health Insurance Estimates (SAHIE). SAHIE provides county-level estimates of health insurance coverage across various demographic groups. The webinar discussed the 2014 SAHIE release, which incorporated more up-to-date Medicaid data and showed substantial changes in insurance rates from 2013 to 2014. The webinar also reviewed the data sources and methodology used to produce the SAHIE estimates.
Physician Participation in Medi-Cal: Is Supply Meeting Demand? soder145
This document summarizes a webinar presentation on physician participation in California's Medicaid program, Medi-Cal. The presentation was given by Janet Coffman from UCSF and Alan McKay from the Central California Alliance for Health.
Key findings from Coffman's presentation include: California physicians are less likely to accept new Medi-Cal patients than patients with private insurance or Medicare; acceptance rates vary by specialty, practice type, and region; and the most common reasons physicians limit Medi-Cal patients are delays in payment and administrative hassles.
McKay discussed the Alliance's efforts to expand Medi-Cal provider capacity after expansion, including grant programs for recruitment, equipment, practice coaching,
Lynn Blewett gave a presentation on single payer health care systems. She provided an overview of single payer systems, examples from countries like Canada, the UK, Norway, and Germany. She also discussed Vermont's proposal to implement a single payer system at the state level. Blewett compared financing structures, outcomes, and pros and cons of different single payer models.
This organization helps states analyze health data and inform policy decisions. It uses large-scale surveys like the American Community Survey to provide estimates of health insurance coverage at the state and local level over time. This includes information on subpopulations and the potential impact of policies like the Affordable Care Act. The organization provides online access to these data and training to help states effectively use data to develop evidence-based health policies.
Early Impacts of the ACA on Health Insurance Coverage in Minnesotasoder145
The document summarizes a study conducted by the State Health Access Data Assistance Center (SHADAC) estimating the early impacts of the Affordable Care Act (ACA) on health insurance coverage in Minnesota. The study found that the number of uninsured Minnesotans fell from 445,000 to 264,000 between September 2013 and May 2014, reducing the uninsurance rate from 8.2% to 4.9%. Most coverage gains occurred in public insurance programs. The analysis indicates the ACA led to an unprecedented drop in uninsurance in Minnesota in its first year.
Medicaid Undercount in the American Community Survey: How does Minnesota Comp...soder145
The summary is as follows:
1) An analysis of 2008 Medicaid enrollment records and American Community Survey data found an implied undercount of Medicaid coverage in the ACS of 22.9%.
2) The undercount was higher among older age groups, those with family incomes over 138% of poverty, and varied by state.
3) This undercount led to an overestimate of the uninsured rate in the ACS of 1.2 percentage points or 3.2 million people. However, there may be other factors offsetting this bias.
Medicaid Undercount in the American Community Surveysoder145
This document summarizes research comparing Medicaid reporting in the American Community Survey (ACS) to administrative enrollment data. Key findings include:
- The ACS appears to undercount Medicaid enrollment, though not as much as some other surveys. The undercount increases with age, income, and varies by state.
- Misreporting Medicaid enrollment in the ACS translates to an overestimate of the uninsured population of around 1.2 percentage points or 3.2 million people.
- The undercount is larger for those with more limited Medicaid benefits or shorter enrollment tenure, though the ACS still represents a valuable data source for policy analysis.
Explore how the Affordable Care Act and creation of state level and national exchanges has impacted member risk profiles and demand for small-group and individual health plans.
What the New Healthcare Law Means for Your Mississippi Small BusinessSmall Business Majority
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Mississippi small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Guidelines for the Colorado Health Benefit Exchange and our Federal Exchange are still up in the air. What do these various funding, administration, and oversight issues mean for employers and how will plan pricing, availability, and benefits be addressed? This presentation is designed for the Colorado business leader who needs to understand the current state of the exchanges. In this session, we’ll go over the very latest developments and how they could impact local businesses, discuss how you can create a proactive multi-year benefits strategy, and introduce resources to help you stay on top of this constantly changing landscape.
An increasing number of states are expanding managed care. This webinar provides a straightforward overview and history of the Medicaid Managed Care program and how it applies to physicians, practices, and patients.
Five Years Later: An Updated Look at Health Care Reform and Small Business (M...Manta
This document summarizes a webinar about the impact of the Affordable Care Act (ACA) on small businesses after five years of implementation. The webinar features two experts, Jeffrey Ingalls and Laura Roane, and covers topics like health insurance literacy, the individual and employer mandates, costs of the ACA over time, and how states have implemented the law. It also discusses ongoing legal and policy transitions around the ACA and how the law is disrupting traditional business models in the healthcare industry. Attendees are invited to ask the experts questions during a live Q&A session.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Florida small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
The document provides an overview of the history and key components of the Affordable Care Act. It discusses how the Act aims to expand access to health insurance coverage while reducing costs. Key points include establishing health insurance exchanges for individuals and small businesses to purchase plans, expanding Medicaid eligibility, requiring most individuals to have health insurance coverage or pay a penalty, and placing new regulations on health insurance companies. The document also discusses the impact of the Act on various groups like employers, individuals, and government programs.
6 1 health reform ppt-cornerstone - march 30 20102danielstagno
The document provides an overview of the major provisions of the Patient Protection and Affordable Care Act (ACA) signed into law in 2010. It summarizes that the ACA expands coverage to over 30 million uninsured Americans through subsidies and Medicaid expansion. It costs $938 billion over 10 years but reduces the federal deficit by $143 billion in that time period. Key provisions include an individual mandate to purchase insurance, creation of health insurance exchanges, employer requirements, expansion of Medicaid, premium subsidies, and prevention/wellness programs. It also reforms health insurance industry practices like prohibiting denial of coverage for pre-existing conditions.
The document discusses the business opportunities for Medicaid managed care plans created by the health reform expansion of Medicaid. Key points include:
- An estimated 15 million additional people will gain Medicaid coverage, making it a large part of the insurance market.
- States are looking for Medicaid managed care plans to take on the new members and financial risk.
- This provides health plans with new patients and revenue to invest in initiatives like patient-centered medical homes and accountable care organizations.
Paying for Value in Medicaid: A Synthesis of Advanced Payment Models in Four ...soder145
1. The document analyzes Medicaid payment reform models in four states - Arkansas, Minnesota, Oregon, and Pennsylvania.
2. State budget pressures often provided the initial motivation for reform. States aim to improve outcomes while containing costs through payment incentives and care delivery changes.
3. The models vary significantly between states but commonly seek to link payments to quality and cost performance measures in order to influence provider behavior.
Minnesota Accountable Health Model Continuum of Accountability Assessment: Ev...soder145
The document discusses Minnesota's Accountable Health Model and its Continuum of Accountability Assessment tool. It provides an overview of the tool, which assesses organizations on their capabilities and functions across 7 categories. It presents preliminary findings from completed assessment tools, including higher and lower average scores. It also compares scores between grant programs and urban vs. rural organizations. Evaluation of the tool will continue to track progress along the continuum over time.
Contrasting Measures of Health Insurance Literacy and their Relationship to H...soder145
This document summarizes research contrasting two measures of health insurance literacy and their relationship to health care access. The researchers analyzed data from a 2015 Minnesota health survey. They found that:
1) Understanding insurance terminology was associated with higher confidence in getting needed care and lower odds of forgone care, while proactive insurance use correlated with lower odds of forgone care.
2) Correlates of health insurance literacy, such as education, varied between the two measures.
3) Both measures captured distinct concepts and translated to improved access, though proactive use only predicted forgone care and not confidence in care.
4) The researchers concluded both measures have value but more work is needed to better operationalize
Adding complexity to an already difficult task: Monitoring the impact of the ...soder145
The document summarizes research comparing estimates of Medicaid enrollment in 2013 and 2014 from the American Community Survey (ACS) and Centers for Medicare and Medicaid Services (CMS) administrative data. The research finds that states with the largest increases in Medicaid enrollment according to CMS also tended to have the largest differences between ACS and CMS estimates, with ACS generally reporting lower enrollment. This suggests the ACS may overstate uninsurance rates where Medicaid enrollment increased substantially. However, misreported coverage likely represents shifts between coverage types rather than uninsurance. Future research should analyze additional years of data and link administrative and survey sources to better understand reporting errors.
The document summarizes key information from a webinar about 2015 health insurance coverage estimates from the American Community Survey (ACS) and Current Population Survey (CPS). It provides an overview of the surveys' methodologies, measures of health insurance coverage, changes in insurance rates from 2013 to 2015, and resources for accessing public data from the ACS and CPS. New products for analyzing health insurance coverage from both surveys were also announced.
The document summarizes a webinar presented by experts from the U.S. Census Bureau on the Small Area Health Insurance Estimates (SAHIE). SAHIE provides county-level estimates of health insurance coverage across various demographic groups. The webinar discussed the 2014 SAHIE release, which incorporated more up-to-date Medicaid data and showed substantial changes in insurance rates from 2013 to 2014. The webinar also reviewed the data sources and methodology used to produce the SAHIE estimates.
Physician Participation in Medi-Cal: Is Supply Meeting Demand? soder145
This document summarizes a webinar presentation on physician participation in California's Medicaid program, Medi-Cal. The presentation was given by Janet Coffman from UCSF and Alan McKay from the Central California Alliance for Health.
Key findings from Coffman's presentation include: California physicians are less likely to accept new Medi-Cal patients than patients with private insurance or Medicare; acceptance rates vary by specialty, practice type, and region; and the most common reasons physicians limit Medi-Cal patients are delays in payment and administrative hassles.
McKay discussed the Alliance's efforts to expand Medi-Cal provider capacity after expansion, including grant programs for recruitment, equipment, practice coaching,
Lynn Blewett gave a presentation on single payer health care systems. She provided an overview of single payer systems, examples from countries like Canada, the UK, Norway, and Germany. She also discussed Vermont's proposal to implement a single payer system at the state level. Blewett compared financing structures, outcomes, and pros and cons of different single payer models.
This organization helps states analyze health data and inform policy decisions. It uses large-scale surveys like the American Community Survey to provide estimates of health insurance coverage at the state and local level over time. This includes information on subpopulations and the potential impact of policies like the Affordable Care Act. The organization provides online access to these data and training to help states effectively use data to develop evidence-based health policies.
Early Impacts of the ACA on Health Insurance Coverage in Minnesotasoder145
The document summarizes a study conducted by the State Health Access Data Assistance Center (SHADAC) estimating the early impacts of the Affordable Care Act (ACA) on health insurance coverage in Minnesota. The study found that the number of uninsured Minnesotans fell from 445,000 to 264,000 between September 2013 and May 2014, reducing the uninsurance rate from 8.2% to 4.9%. Most coverage gains occurred in public insurance programs. The analysis indicates the ACA led to an unprecedented drop in uninsurance in Minnesota in its first year.
Medicaid Undercount in the American Community Survey: How does Minnesota Comp...soder145
The summary is as follows:
1) An analysis of 2008 Medicaid enrollment records and American Community Survey data found an implied undercount of Medicaid coverage in the ACS of 22.9%.
2) The undercount was higher among older age groups, those with family incomes over 138% of poverty, and varied by state.
3) This undercount led to an overestimate of the uninsured rate in the ACS of 1.2 percentage points or 3.2 million people. However, there may be other factors offsetting this bias.
Medicaid Undercount in the American Community Surveysoder145
This document summarizes research comparing Medicaid reporting in the American Community Survey (ACS) to administrative enrollment data. Key findings include:
- The ACS appears to undercount Medicaid enrollment, though not as much as some other surveys. The undercount increases with age, income, and varies by state.
- Misreporting Medicaid enrollment in the ACS translates to an overestimate of the uninsured population of around 1.2 percentage points or 3.2 million people.
- The undercount is larger for those with more limited Medicaid benefits or shorter enrollment tenure, though the ACS still represents a valuable data source for policy analysis.
Explore how the Affordable Care Act and creation of state level and national exchanges has impacted member risk profiles and demand for small-group and individual health plans.
What the New Healthcare Law Means for Your Mississippi Small BusinessSmall Business Majority
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Mississippi small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Guidelines for the Colorado Health Benefit Exchange and our Federal Exchange are still up in the air. What do these various funding, administration, and oversight issues mean for employers and how will plan pricing, availability, and benefits be addressed? This presentation is designed for the Colorado business leader who needs to understand the current state of the exchanges. In this session, we’ll go over the very latest developments and how they could impact local businesses, discuss how you can create a proactive multi-year benefits strategy, and introduce resources to help you stay on top of this constantly changing landscape.
An increasing number of states are expanding managed care. This webinar provides a straightforward overview and history of the Medicaid Managed Care program and how it applies to physicians, practices, and patients.
Five Years Later: An Updated Look at Health Care Reform and Small Business (M...Manta
This document summarizes a webinar about the impact of the Affordable Care Act (ACA) on small businesses after five years of implementation. The webinar features two experts, Jeffrey Ingalls and Laura Roane, and covers topics like health insurance literacy, the individual and employer mandates, costs of the ACA over time, and how states have implemented the law. It also discusses ongoing legal and policy transitions around the ACA and how the law is disrupting traditional business models in the healthcare industry. Attendees are invited to ask the experts questions during a live Q&A session.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Florida small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
The document provides an overview of the history and key components of the Affordable Care Act. It discusses how the Act aims to expand access to health insurance coverage while reducing costs. Key points include establishing health insurance exchanges for individuals and small businesses to purchase plans, expanding Medicaid eligibility, requiring most individuals to have health insurance coverage or pay a penalty, and placing new regulations on health insurance companies. The document also discusses the impact of the Act on various groups like employers, individuals, and government programs.
6 1 health reform ppt-cornerstone - march 30 20102danielstagno
The document provides an overview of the major provisions of the Patient Protection and Affordable Care Act (ACA) signed into law in 2010. It summarizes that the ACA expands coverage to over 30 million uninsured Americans through subsidies and Medicaid expansion. It costs $938 billion over 10 years but reduces the federal deficit by $143 billion in that time period. Key provisions include an individual mandate to purchase insurance, creation of health insurance exchanges, employer requirements, expansion of Medicaid, premium subsidies, and prevention/wellness programs. It also reforms health insurance industry practices like prohibiting denial of coverage for pre-existing conditions.
The document discusses the business opportunities for Medicaid managed care plans created by the health reform expansion of Medicaid. Key points include:
- An estimated 15 million additional people will gain Medicaid coverage, making it a large part of the insurance market.
- States are looking for Medicaid managed care plans to take on the new members and financial risk.
- This provides health plans with new patients and revenue to invest in initiatives like patient-centered medical homes and accountable care organizations.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Tennessee small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Alabama small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Profile of Minnesota's Uninsured: Summary of Key Findingssoder145
The document provides an overview and summary of key findings from a profile of Minnesota's uninsured population. It finds that in 2013, 9.4% of Minnesota's non-elderly population was uninsured at the time of the survey, with 13.7% experiencing an episode of uninsurance during the year. Uninsurance rates were highest among those ages 18-34, racial/ethnic minorities, those born outside the US, and those with incomes below 200% of the federal poverty level. The uninsured had less access to employer-sponsored insurance and were more likely to cite the cost of coverage as the primary reason for being uninsured.
What the New Healthcare Law Means for Your South Carolina Small BusinessSmall Business Majority
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for South Carolina small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
McKonly & Asbury Webinar - The Patient Protection and Affordable Care ActMcKonly & Asbury, LLP
We continued our Celebrating 40 Years of Excellence! Fall Webinar Series with a webinar focusing on the impact of The Patient Protection and Affordable Care Act and next steps for employees, hosted by Suzanne Sentman (Human Resource Director with McKonly & Asbury) with featured guest Kent Evans (Vice President / Human Capital Consultant with Willis of Delaware, Inc).
Check out our Upcoming Events page for news and updates on our future seminars and webinars at http://www.macpas.com/events/.
View a full recap of this webinar at http://www.macpas.com/register-today-for-mckonly-asburys-free-the-patient-protection-and-affordable-care-act-webinar/.
Trends and Disparities in Children's Health Insurance: New Data and the Impli...soder145
This document summarizes key findings from an analysis of trends in children's health insurance coverage between 2016 and 2017. Some key points:
- The uninsured rate among children in the U.S. increased from 4.7% in 2016 to 5% in 2017, reversing over a decade of decline. This represented nearly 270,000 additional uninsured children.
- The increase was driven by a decline in public coverage, particularly Medicaid. Uninsurance rose across most demographic groups.
- There was considerable variation between states, from a low of 1.4% uninsured in Vermont to a high of 10.7% in Texas.
- States with low uninsurance typically had high rates of employer-sponsored insurance or
Exploring Disparities Using New and Updated MEasures on SHADAC's State Health...soder145
Slides from webinar webinar introducing two new measures of health outcomes and social determinants of health on SHADAC’s State Health Compare—Unhealthy Days and Unaffordable Rents. This presentation, hosted by SHADAC researchers Brett Fried and Robert Hest, examine these new measures and highlight how the estimates can be used to explore disparities between states and among sub-populations.
Leveraging 1332 State Innovation Waivers to Stabilize Individual Health Insur...soder145
Presentation by SHADAC Senior Research Fellow Emily Zylla at the 2018 Association for Public Policy Analysis & Management (APPAM) Fall Research Meeting in Washington, DC.
Modeling State-based Reinsurance: One Option for Stabilization of the Individ...soder145
This document summarizes research on modeling state-based reinsurance programs to stabilize individual health insurance markets. Key findings include:
- An estimated $60 billion is spent annually in the individual market, with 2.5% of enrollees accounting for 48.8% of expenditures.
- State reinsurance programs with varying parameters could reduce insurer costs by $6-14 billion nationally per year.
- Estimated reinsurance costs for four states range from $300,000 to $1.8 billion depending on the attachment point and coinsurance rate.
- Federal transitional reinsurance and proposed legislation allocated $10 billion annually, consistent with these estimates.
2017 Health Insurance Coverage Estimates: SHADAC Webinar Featuring U.S. Censu...soder145
Join us for an overview of the 2017 health insurance coverage estimates from two key, large-scale federal data sources: The American Community Survey (ACS) and the Current Population Survey (CPS).
This webinar will examine the new estimates with technical insight from experts at the U.S. Census Bureau, which administers both the ACS and CPS, and from SHADAC researchers.
Attendees will learn about:
The new 2017 national and state coverage estimates
When to use which estimates from which survey
How to access the estimates via Census reports and American FactFinder
How to access state-level estimates from the ACS using SHADAC tables
SHADAC researchers and Census experts will answer questions from attendees after the presentation.
Exploring the New State-Level Opioid Data On SHADAC's State Health Comparesoder145
Between 2000 and 2016, the annual number of drug overdose deaths in the United States more than tripled, from 17,500 to 63,500, and most of these deaths involved opioids. Despite widespread increases in overdose death rates from natural and semi-synthetic opioids, synthetic opioids, and heroin, individual states’ death rates varied widely. For example, in 2016, Nebraska’s rate of 1.2 deaths per 100,000 people was the lowest in the U.S. for natural and semi-synthetic opioids, while West Virginia’s rate (the highest) was more than 15 times larger, at 18.5 deaths. These deaths are the most glaring indication of the growing crisis of opioid abuse and addiction that has been spreading unevenly throughout the country over the past two decades.
On this SHADAC webinar, Research Fellow Colin Planalp will examine the United States opioid epidemic at the state level, analyzing trends in overdose deaths from heroin and other opioids, such as prescription painkillers. Using data available through SHADAC’s State Health Compare, he will look at which states have the highest rates of opioid-related deaths and which have experienced the largest increases in death rates.
Mr. Planalp will be joined by SHADAC Research Fellow Robert Hest, who will discuss the data on opioid-related overdose deaths from the U.S. Centers from Disease Control and Prevention (CDC) that are available on SHADAC’s State Health Compare. He will also discuss State Health Compare data from the U.S. Drug Enforcement Administration (DEA) on sales of common prescription opioid painkillers. Mr. Hest will show users how to access and use the data for state-level analyses.
This document summarizes research on the intersection of structural risk factors and insurance-based discrimination on healthcare access inequities. The study analyzed data on over 3,800 non-elderly adults in Minnesota to examine how experiences of insurance-based discrimination vary across gender, race, income and insurance status, both independently and combined. It also assessed how the synergistic effects of structural risk factors and reported discrimination influence access to a usual source of care and confidence in getting needed healthcare services. The results show that structural factors like race, income and insurance status combine to produce greater reported discrimination, which then interacts with those factors to further reduce healthcare access. The implications are that reducing inequities requires attention to the convergence of these structural barriers
This study analyzed characteristics associated with accurate reports of health insurance coverage in census surveys. It found that reporting of public insurance was most accurate among low-income, less educated individuals who likely needed care. Reporting varied by specific public program, with family characteristics impacting Medicaid accuracy and respondent characteristics impacting MinnesotaCare accuracy. Private insurance reporting in the ACS was more accurate among advantaged groups, while the CPS saw greater accuracy among older respondents with long-term coverage. The results provide insight into survey design, editing, and using survey data for policy analysis by identifying who reports coverage most reliably.
- The document presents preliminary results from the Minnesota Long-Term Services and Supports Projection Model (MN-LPM), which projects LTSS utilization and costs for Minnesota's Medicaid elderly population through 2030.
- In 2015, over 54,000 Minnesotans received LTSS through Medicaid, costing $991 million total. The model projects these numbers will double by 2030, with LTSS costs reaching $1.7 billion as HCBS use grows significantly faster than nursing home use.
- The model uses Minnesota-specific data on the characteristics of elderly residents and current LTSS spending patterns to generate projections. It is intended to help evaluate potential policy changes that could impact future LTSS needs and costs in
Modeling Financial Eligibility for Medicaid Payment of LTSS
1) Medicaid long-term services and expenditures (LTSS) are a large and growing part of state budgets. States may restrict LTSS eligibility rules to control costs.
2) The researchers modeled LTSS eligibility rules to understand their impact and potential consequences of restricting access.
3) The model found that restricting income eligibility rules had a larger impact on reducing the number of eligible individuals than restricting asset rules. This is because income rules are more broadly applied and generous under current policies.
Poster, advancements in care coordination mn simsoder145
The document summarizes findings from an evaluation of Minnesota's State Innovation Model (SIM) Initiative. It finds that Minnesota's SIM investments increased organizations' capacity for coordinated care in several ways:
1) It strengthened relationships and knowledge sharing between organizations.
2) It improved some care coordination processes like assessing social needs and accessing data.
3) It expanded access to health information exchange capabilities needed to coordinate care across settings.
- Structured interviews were conducted with 33 current and former state agency and health plan staff across 4 states to understand challenges implementing Section 1115 Medicaid expansion waiver programs.
- Key challenges included the significant administrative resources and coordination required across entities, educating enrollees, and reconciling complex program rules across systems.
- While waiver programs allowed for innovative policy testing, the administrative complexity was substantial and ongoing. Implementation involved major efforts to develop new IT systems and operational protocols within tight timelines.
1. The document analyzes the potential impact and costs of state-based reinsurance programs using data from 2012-2015.
2. It estimates that reinsurance subsidies could range from $6.4 billion to $16 billion annually depending on the attachment point and coinsurance rate.
3. Reinsurance costs are estimated to range from close to $300,000 in Illinois to $2 billion in California under sample programs with an 80/20 coinsurance split.
Comparing Health Insurance Measurement Error (CHIME) in the ACS & CPSsoder145
This document summarizes a study that compared survey responses about health insurance from the American Community Survey (ACS) and Current Population Survey (CPS) to actual administrative insurance records to assess accuracy. The study found that both surveys produced reasonably accurate aggregated estimates but that some types of coverage, like direct purchase plans, were less accurately reported. Specifically:
- Both surveys had high sensitivity in detecting those with any insurance but the ACS performed better for direct purchase plans.
- The predictive power of reported coverage types varied, with direct purchase again less accurately predicted than employer-sponsored coverage.
- Prevalence estimates based on surveys were generally within a few percentage points of administrative records, though CPS estimates were less accurate for
Who Gets It Right? Characteristics Associated with Accurate Reporting of Heal...soder145
This document summarizes a study examining factors associated with accurate reporting of health insurance coverage type. The study used survey data matched to enrollment records from a health plan. It found:
1) Reporting accuracy was highest for those with employer-sponsored insurance and lowest for those with direct purchase or Medicaid coverage.
2) Among those with direct purchase insurance, reporting accuracy was higher for those who were white, non-Hispanic, fully employed, and from higher income households.
3) For Medicaid enrollees, reporting accuracy was higher for those who were unemployed, from lower income and education households.
The Impact of Medicaid Expansion on Employer Provision of Health Insurancesoder145
- The study examines the impact of Medicaid expansion under the ACA on employer-sponsored health insurance (ESI) offers, out-of-pocket premiums, and eligibility using data from 2010-2015.
- The results show Medicaid expansion decreased worker eligibility for ESI offers by 4 percentage points but had no effect on ESI offers or out-of-pocket premiums. There was also no differential effect for low-wage establishments.
- The authors note the short-term effects may differ from long-term effects, and ongoing uncertainty could impact employer behavior and outcomes over time as more states expand Medicaid.
Changing Trends in Employer Sponsored Insurance After the Affordable Care Actsoder145
The document analyzes trends in employer-sponsored health insurance (ESI) in the United States and Minnesota after the Affordable Care Act. It finds that while the percentage of U.S. workers offered and eligible for ESI dropped slightly from 2013-2014, Minnesota saw no significant changes. Both saw minimal increases in workers taking up ESI. Individual premiums significantly increased every year in the U.S. and 2013-2014 in Minnesota. Enrollment in high-deductible plans rose each year in the U.S. and 2013-2014 in Minnesota. The concerns over reduced ESI due to the ACA appear overstated while rising individual costs remain a policy issue.
This document summarizes a study examining health care utilization patterns among newly enrolled Medicaid recipients in Minnesota after the Affordable Care Act expansion. The study found some evidence of pent-up demand, as newly enrolled individuals had higher rates of new patient visits in the first 6 months compared to ongoing enrollees. However, overall utilization of most services was not higher for new enrollees. Utilization declined over time for new enrollees, suggesting initial spikes in care may stabilize after initial medical needs are addressed. The findings have implications for understanding long-term costs and access to primary care among newly insured populations.
The changing demographics of the uninsured in MN and the nationsoder145
The document analyzes changes in the demographics of the uninsured in Minnesota and nationally between 2013 and 2014 following coverage expansions under the Affordable Care Act. It finds that uninsured rates declined significantly in both Minnesota and all 50 states. While the characteristics of the uninsured remained largely the same, the uninsured population is now more likely to be Hispanic, non-citizens, and Spanish speakers in both Minnesota and nationally. The uninsured are also less likely to be children in Minnesota and very low income or Asian nationally. Continued outreach efforts are needed to enroll groups with historically high uninsurance rates.
Post reform changes in health care access and affordability in MN soder145
This document summarizes a presentation on changes in health care access and affordability in Minnesota following health care reforms. It analyzes data from Minnesota health surveys from 2007-2015. Key findings include: most Minnesotans have a usual source of care, though the uninsured report less access; while access has improved for many, some face issues getting appointments or with provider acceptance; forgone care due to costs has decreased for routine and mental care but remains an issue for low-income residents; and the percentage of people with medical bill or basic needs payment problems has declined since 2013 reforms.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
How to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
Mutual Fund Taxation – How Mutual Funds Are Taxeddhvikdiva
Divadhvik explains Mutual Fund Taxation clearly: Equity funds held over a year are taxed at 10% for gains over ₹1 lakh, while short-term gains are taxed at 15%. Debt funds held over three years are taxed at 20% post-indexation. Short-term gains are taxed as per your income slab.
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
Monthly Market Risk Update: June 2024 [SlideShare]Commonwealth
Markets rallied in May, with all three major U.S. equity indices up for the month, said Sam Millette, director of fixed income, in his latest Market Risk Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
1. Lynn A. Blewett, Ph.D.
Professor, Division of Health Policy and Management,
University of Minnesota School of Public Health
Julie J. Sonier, MPA
Sr. Research Fellow and Deputy Director, SHADAC
We are grateful to the State Health Reform Assistance Network, an initiative of the Robert Wood Johnson Foundation, for supporting this work.
2. 1. What problem istext stylestrying to solve?
Click to edit Master the ACA
• Minnesota and National Context
Second level
2. Access level
Expansions in the Affordable Care Act
Third
• Medicaid Expansion
Fourth level
• Health Insurance Exchange
Fifth level
3. Policy Issues for the Exchange
4. What’s next?
5. Q&A
2
3. Click to edit Master text styles
• 50 million uninsured
Second level
– Erosion of employer
Third level
sponsored insurance
Fourth cost
• Unsustainable level growth
Fifth level
• Adverse selection in
insurance markets
• Lack of consumer info to
compare options
• Increase access to affordable,
comprehensive coverage
through targeted subsidies
• Improve overall affordability of
coverage
• Spread risk more broadly
across the population
• Organize/present plan
comparisons
3
4. Click to edit Master text styles
60
Second level
Millions of uninsured people
Third level
Fourth level
Fifth level
50
40
30
20
10
0
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
4
5. Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level
5
6. Click toDistribution of Minnesota Population by Primary Source of
edit Master text styles
Second level
Insurance Coverage
Uninsured
9%
Third level
Fourth level
Fifth level
Public Coverage
28%
EmployerSponsored
Coverage
58%
Non-Group
Coverage
5%
MDH Health Economics Program (data for 2010)
6
7. Click to edit Master text styles
100%
Second level
80%
60%
Third level
Fourth level
Fifth level
Minnesota
U.S.
40%
20%
0%
Fewer 10 - 24
than 10
25 - 99
100 999
1000+
All firm
sizes
Source: 2012 MEPS-IC, Table IIA2
7
8. Click to edit Master text styles
100%
Second level
80.4%
Third level
80%
Fourth level
60%
Fifth level
69.7%
71.4%
59.5%
Minnesota
U.S.
40%
20%
0%
2000
2011
Source: SHADAC, State-Level Trends in Employer-Sponsored Health Insurance: A State-byState Analysis. April 2013.
8
9. Click to edit Master text styles
• Medicaid expansion
Second level
• Subsidies for private insurance – through health
Third level
Fourth level
insurance exchanges
Fifth level
• Requirement for individuals to have health insurance
(“individual mandate”)
• Employer provisions – incentives and penalties
• Changes to private insurance market rules
9
10. Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level
10
11. • Peopleedit Master text below 138% of poverty guidelines* are
Click to with family incomes styles
eligible for Medicaid as of January 2014
Second level
• 2012 Supreme Court decision made this optional for states
Third level
• Goal was to simplify eligibility – no more variation by family status,
Fourth level
age
Fifth level
• ACA expansion of eligibility mostly affects adults, since children are
already eligible for Medicaid or CHIP at this income level in all states
• Only applies to U.S. citizens and legal immigrants in the country for
more than 5 years
*The poverty level for a family of four is currently $23,550
11
12. Click to edit Master text styles
250%
350%
300%
Second
250%
200%
level
Third level
Fourth level 185%
Fifth level
ACA Medicaid
Expansion to 138% FPL
150%
22 million
63% Low-Income
37%
Uninsured
Adults 19-64
100%
50%
0%
Children
Pregnant
Women
Working
Parents
Jobless
Parents
0
Childless
Adults
Source: Based on the results of a national survey conducted by the Kaiser Commission on Medicaid
and the Uninsured and the Georgetown University Center for Children and Families, 2012.
12
13. Click to edit Master text styles
The following are differences across states that will affect
Second level
enrollment:
Third level
•
•
•
•
•
Fourth level
Fifth level
Medicaid expansion
is now optional for state
Current Medicaid enrollment and eligibility
Current Levels of Private Coverage
Levels of outreach and enrollment activities
Attitudes toward government programs
13
14. Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level
14
15. Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level
15
16. ClickIndividuals are required to maintain minimum essential
• to edit Master text styles
Second level themselves and their dependents.
coverage for
Third level
• Rationale: other changes to market rules (guaranteed
issue,Fourthlifetime benefit limits, ect.) will not work unless
no level
Fifth level
healthy people participate.
• Those who do not meet the mandate will be required to
pay a penalty for each month of noncompliance:
Once fully phased in, annual penalty
of $695 per person or 2.5% of
income, whichever is greater
16
17. Click to edithardshiptext styles
• Financial Master
Second level
Religious objections
Third level
American Indians and Alaska Natives
Fourth level
Incarcerated level
individuals
Fifth
Those for whom the lowest cost plan option
exceeds 8% of income, and
• Those whose income is below the tax filing threshold
•
•
•
•
And the Undocumented
17
18. • Tax creditsMaster text styles (≤ 25 employees) and
Click to edit for small employers
average level wages below $40K who provide health
Second annual
insurance
Third level
•
•
For 2010-2013: Up to 35% of employer’s premium contribution,
Fourth level
depending on employer’s size and average annual wage
Fifth level
For 2014 and beyond: Up to 50% of employer’s premium
contribution for employers that purchase coverage through
Exchange, depending on employer’s size and annual wage
•
Can only receive credit for 2 years
18
19. • Employers subject to penalties if no coverage offered and at least one
Click to edit Master text styles
employee receives tax credits through an Exchange
Second level
• $2,000 multiplied by the # of full-time workers employed (minus
Third level
first 30 workers)
Fourth level
• Does not apply to businesses with fewer than 50 full-time workers
Fifth level
• Delayed to 2015
• Employers with > 200 employees must automatically enroll them into
health insurance
• Employees can opt out of the coverage
19
20. • Employers also have the option to buy insurance through an exchange
Click to edit Master text styles
• Limited to employers with fewer than 100 workers through 2016
Second level
(States can choose to limit employer size to 50 initially)
Third level
• States can expand to all employers beginning in 2017
Fourth level
• States can choose to combine the individual and employer
Fifth level
exchanges, and/or merge these 2 insurance markets
• Beginning in 2014, small employer tax credits available only to
employers that purchase through the exchange
20
21. ClickReviewed nearly 6,000 health insurance plans
• to edit Master text styles
marketed
Second level to individuals and families across US
Third 285
• Out oflevel plans in Minnesota, no coverage for
•
•
•
Fourth level
Labor and delivery
Fifth level
in 195 (apx 70%),
Mental health services in 170, and
Specialty drugs in 80
• The median deductible in Minnesota - $5,000, five
times as high as in Massachusetts
Source: US World News and Report http://bit.ly/TH1ldF
21
22. • Ambulatory patient services
Click to edit Master text styles
• Emergency services
•Second level
Hospitalization
Third level
• Maternity and newborn care
Fourth level
• Mental health and substance use disorder services,
includingFifth level health treatment
behavioral
• Prescription drugs
• Rehabilitative and habilitative services and devices
• Laboratory services
• Preventive and wellness services and chronic disease
management, and
• Pediatric services, including oral and vision care
22
23. • No pre-existing text styles
Click to edit Mastercondition exclusions
• Second levelor annual limits on coverage
No lifetime
Third level
• First-dollarlevel
coverage for preventive services
Fourth
Fifth level
23
24. Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level
24
25. Click to edit an Exchange under the ACA?
• What is Master text styles
Second level web-based marketplace
• A (primarily)
• Third level information on health insurance coverage
Organizes
Fourth level
options
Fifth level
• Provides comparison across plans with respect to
premiums, cost-sharing, coverage and quality ratings
• Consumers can select and enroll in coverage through
the Exchange
• Vehicle for administering premium tax credits and cost
sharing subsidies
25
26. Click to edit Master text styles
• Those who purchase in coverage
Second level
in the individual and small group market
Third level
- <50Fourth level
employees
Fifth level
• Don’t have same leverage as large employers
when purchasing coverage
• Apx 12% of MN population gets coverage in
small group or non-group markets pre-ACA
26
27. Click to edit Master text styles
•
Amount level
Second of credit is a sliding scale based on income
• Third level subsidies for families with incomes up to 400%
Premium
Fourth level
of poverty
Fifth level
• In addition, cost sharing subsidies up to 250% of poverty
• Reduces deductible and other enrollee out of pocket costs
• Available in silver level plans only
27
28. Click to premium contribution, based on income for family of four in 2013:
Maximum edit Master text styles
Second level
300-400% FPL
Third level
9% of income
Fourth level
250-300% FPL
8.05-9% of income
Fifth level
6.3-8.05% of income
200-250% FPL
4-6.3% of income
150-200% FPL
3-4% of income
138-150% FPL
<138% FPL
2% of income
$0
$2,000
$4,000
$6,000
$8,000
$10,000
28
29. Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level
29
30. • States have a lot oftext styles how to establish and run the
Click to edit Master control over
exchange – for example, whether to be selective about what
Second level
health plans can be sold through the exchange
Third level
• In states that do not establish their own exchanges, the
Fourth level
Fifth level
federal government will establish and operate an exchange
30
31. Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level
31
32. • Levels of coverage (bronze,
Click to edit Master text styles silver, gold, platinum)
correspond to enrollee cost sharing requirements
Second level
•
•
•
Third level
Deductibles
Fourth level
Coinsurance
Fifth level
Rx copays, etc.
• Tradeoffs between premiums and cost sharing
depend on individuals’ expectations about how much
care they will need
32
33. Monthly Exchange Premium for Second-Lowest Cost Silver
Plan
Click to edit Master text styles
450
400 Second
350
300
250
level
Third level
Fourth level
Fifth level
200
150
100
50
0
CA CO CT KY MA ME MN MS MT NH NY NV RI VT WA
Source: Breakaway Policy Strategies and the Robert Wood Johnson Foundation, “Looking Beyond
Technical Glitches: A Preliminary Analysis of Premiums and Cost Sharing in the New Health Insurance
Marketplaces,” November 2013.
33
34. Average Annual Integrated Deductibles
Click to edit Master text styles
4500
4000
Second
3500
level
Third level
3000
Fourth level
Fifth level
2500
2000
1500
1000
500
0
CO
KY
MA
ME
MN
MS
MT
NV
RI
WA
Source: Breakaway Policy Strategies and the Robert Wood Johnson Foundation, “Looking Beyond
Technical Glitches: A Preliminary Analysis of Premiums and Cost Sharing in the New Health Insurance
Marketplaces,” November 2013. (Policies with a single deductible for medical and rx expenses
combined
34
35. Click to edit Master text styles
• Too early to draw conclusions from this preliminary
Second level
data onlevel
Third premiums and cost sharing
•
Fourth level
Need to know what consumers actually buy in the
Fifth level
exchanges vs. what is being offered for sale
• Will likely take some time for markets to sort out in
both Minnesota and other states over the next couple
of years
35
36. Click to edit Master text styles
• Churn & continuity of providers
Second level
•
Third level especially concerned about churn between
States are
Fourth and
Medicaidlevel the exchange
Fifth level
• Breadth of provider networks (related to continuity of
providers)
• Demographics of exchange population and market
stability
• Degree of standardization in health plan
choice/design
36
37. 100%
Click to edit Master text styles
90%
80%
Second
70%
60%
50%
level
Third level
Fourth level
Fifth level
40%
30%
Eligible for
Medicaid/CHIP
Eligible for financial
assistance
Not eligible for financial
assistance
20%
10%
0%
CA CT HI KY MDMN NV NY OR RI VT WA
Source: Department of Health and Human Services, Office of the Assistance Secretary for Planning and
Evaluation, “Health Insurance Marketplace: December Enrollment Report for the period: October 1 –
November 30,” December 11, 2013.
37
38. Click to edit Master text styles
Second level
Third level
Fourth level
Fifth level
38
39. Access expansions of the ACA are targeted to a relatively
Click to edit Master text styles
small segment of the population in Minnesota
Second level low incomes
• Those with
•
• Third level
Those without employer-sponsored insurance
Fourth level
• Small employers
•
•
Fifth level
Comprehensiveness of benefits in the individual market
has improved – but comes at an additional cost
Tradeoffs between premium cost, enrollee cost sharing,
and provider networks are an issue that warrants attention
and monitoring
39
40. • Payment reform
Click to edit Master text styles
• Transforming the way we receive and pay for care
Second level
Third level
• Immigrant Populations
•
Fourth level
Not covered by
Fifth level
Medicaid expansion but represent almost
1/5 low-income non-elderly adult
• Baby boomers retiring
•
Growth of federal entitlements with continued deficit
spending
• Incremental reform in political battlefield
40
41. Click to edit Master text styles
Lynn
Second level Blewett
Julie Sonier
jsonier@umn.edu
blewe001@umn.edu
Third level
Fourth level
Fifth level
www.shadac.org
@shadac