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![ENROLLED: CHOOSING A PLAN
14
9%
2%
4%
5%
7%
25%
48%
Other
I liked the doctors that were
covered
I knew the health insurance
company
I just guessed
I had a plan like this before
It was the least expensive
It had the best coverage for what
I could afford
Why did you choose [the plan you did]?
N = 480 enrolled in private plan](https://image.slidesharecdn.com/perryundemreportwebinarsildes-140610140700-phpapp01/75/Review-of-National-Findings-Why-Did-Some-People-Enroll-and-Not-Others-14-2048.jpg)
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Review of National Findings: Why Did Some People Enroll and Not Others?
The document presents findings from a study on why people enrolled or did not enroll in health insurance during the Affordable Care Act's first enrollment period. Key reasons for enrollment included understanding the ACA, affordability, and fear of penalties, while non-enrollment was mainly due to perceived costs and lack of knowledge. Recommendations for improving future enrollment efforts include addressing affordability perceptions and providing more targeted education, particularly for Latino communities and young adults.
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Review of National Findings: Why Did Some People Enroll and Not Others?
- 1. © 2013 EnrollAmerica | EnrollAmerica.org Review of National Findings: Why Did Some People Enroll and Not Others? June 10, 2014
- 2. © 2013 EnrollAmerica | EnrollAmerica.org Agenda Welcome & Introductions Ambar Calvillo National Deputy Director of Women’s Engagement, Enroll America Key Findings Overview Anne Filipic President, Enroll America The Affordable Care Act’s First Open Enrollment Period: Why Did Some People Enroll and Not Others? Tresa Undem , PerryUndem Research & Communication Looking Forward: Recommendations Jessica Barba Brown Communications Director, Enroll America Q&A 2
- 3. © 2013 EnrollAmerica | EnrollAmerica.org Agenda Welcome & Introductions Ambar Calvillo National Deputy Director of Women’s Engagement, Enroll America Key Findings Overview Anne Filipic President, Enroll America The Affordable Care Act’s First Open Enrollment Period: Why Did Some People Enroll and Not Others? Tresa Undem , PerryUndem Research & Communication Looking Forward: Recommendations Jessica Barba Brown Communications Director, Enroll America Q&A 3
- 4. © 2013 EnrollAmerica | EnrollAmerica.org4 Anne Filipic President Enroll America
- 5. Key Findings Overview 5 1. There was a HIGH demand for health insurance during the ACA’s first enrollment period. 2. Those who enrolled knew more informa@on about the ACA. 3. Individuals enrolled for many reasons, par@cularly because of the mandate (“it’s the law”) and the fine. 4. 69% of the newly enrolled thought the enrollment process was “easy”. 5. 74% of the newly enrolled felt confident that they could afford their premiums.
- 6. Key Findings Continued 6. Healthy people enrolled: the newly enrolled were more likely to report their health as “very good” than those who did not enroll (32% to 26%). 7. Most of those who did not enroll (61%) wanted coverage. 8. Affordability concerns kept many from enrolling: the top reason why some people did not enroll was the percep@on that they were unable to afford insurance. 9. La@nos and young adults (age 18-‐29) lagged behind in knowledge but wanted coverage. 10. 84% of those who did not enroll were open to enrolling in the future. 6
- 7. © 2013 EnrollAmerica | EnrollAmerica.org Agenda Welcome & Introductions Ambar Calvillo National Deputy Director of Women’s Engagement, Enroll America Key Findings Overview Anne Filipic President, Enroll America The Affordable Care Act’s First Open Enrollment Period: Why Did Some People Enroll and Not Others? Tresa Undem , PerryUndem Research & Communication Looking Forward: Recommendations Jessica Barba Brown Communications Director, Enroll America Q&A 7
- 8. © 2013 EnrollAmerica | EnrollAmerica.org The Affordable Care Act’s First Open Enrollment Period: Why Did Some People Enroll and Not Others?
- 9. SURVEY 9 ENROLLED STILL UNINSURED N =671 adults 18 to 64 Enrolled in private insurance or Medicaid during open enrollment Margin of sampling error: + 5.2 percentage points N = 853 adults 18 to 64 Uninsured at time of survey (4/10-28/14) Margin of sampling error: + 3.8 percentage points Conducted April 10 to 28, 2014
- 10. ENROLLED: MOTIVATIONS 10 7% 8% 13% 15% 19% 19% 23% 23% 24% 26% 30% 34% 35% 36% Family andfriends I was already in medical debt I wanted dental care I got a tax subsidy/financial help I have a chronic condition I could afford a plan I wanted insurance for my family I qualified for Medicaid To get my medications I was worried about getting sick I was worried about big medical bills I didn't want to pay the fine To go to my doctor It's the law Were any of these reasons you decided to sign up for health insurance? 41% Of 18 to 29 year olds say the fine was a motivator
- 11. ENROLLED: MOTIVATIONS 11 Yes 60% No 19% I'm notsure 21% If the law did not require you to have insurance, would you still have signed up? 69% of 45 to 64 year olds 48% of 18 to 29 year olds 31% of 45 to 64 year olds 51% of 18 to 29 year olds
- 12. ENROLLED: MODE OFENROLLMENT 12 9% 14% 18% 20% 52% Other Paper application In person By phone Online on my own Did you sign up for insurance…. White: 57% Latinos: 30% White: 12% Latinos: 34%
- 13. ENROLLED: EASE OFPROCESS 13 How easy or hard was it to do the following when you applied for health insurance? Base N = 264 enrolled online and through Marketplace When applying for health insurance… Easy Hard Prove your identity 77% 16% Figure out your income 72% 19% Create a user account with a password 79% 17% Find out how much the plans would cost you 73% 20% Compare different health insurance plans and costs 67% 24% Choose a health plan 62% 31% Figure out next steps once you completed the application 58% 31% Find out what the plans would cover 57% 35% Find answers to your questions 51% 41% Find out what doctors are covered by the plans 51% 37% Find out how the financial assistance/tax credit worked 53% 29% Get the documents you were required to scan, fax or mail in 47% 23%
- 14. ENROLLED: CHOOSING APLAN 14 9% 2% 4% 5% 7% 25% 48% Other I liked the doctors that were covered I knew the health insurance company I just guessed I had a plan like this before It was the least expensive It had the best coverage for what I could afford Why did you choose [the plan you did]? N = 480 enrolled in private plan
- 15. ENROLLED: AFFORDABILITY 15 More than expected, 31%Less than expected, 25% About the same as I expected, 28% Not sure, 15% Would you say your monthly premium is… N = 480 enrolled in private plan 53% met or exceeded expectations on affordability
- 16. ENROLLED: AFFORDABILITY 16 Very confident 40% Somewhat confident 34% Not too confident 16% Notat all confident 9% REF 1% How confident are you that you will be able to afford your premium payment each month? N = 480 enrolled in private plan 74% confident
- 17. ENROLLED: VIEWS TOWARDPLAN 17 41% happy 11% unhappy 31% too early to tellOverall Enough doctors and providers to choose from? 56% yes 13% no 30% not sure Have you had any problems using your insurance to get the health care you need? 9% yes 42% no 49% haven’t tried to use it
- 18. ENROLLED: PLANS TOGET CARE 18 Looking ahead the next few months, do you plan on… 9% 3% 1% 5% 4% 6% 16% 21% 18% 33% 6% 2% 4% 5% 6% 23% 28% 31% 32% 58% Other Paying for medcial equipment Having surgery Getting birth control Getting mental health care Seeing a specialist Getting a woman's annual exam Getting dental care Paying for a prescription Getting a check-up Enrolled Uninsured Men (63% vs. 53% women) Latinos (69% vs. 51% white)
- 19. ENROLLED: KNOWLEDGE 19 Do youfeel like you have enough information about the new health care law and how it affects you? Yes 41% No 34% I'm not sure 24% If your income goes up during the year, do you have to pay money back at tax time? N = 480 enrolled in private plan Yes 22% No 23% I'm not sure 54% Ref. 1%
- 20. STILL UNINSURED: KNOWLEDGEGAPS 20 Percent Has Heard of/Knows about… * Allowed March & April 2014 as accurate responses 5% 16% 19% 23% 26% 29% 42% 60% 69% 7% 31% 36% 44% 56% 35% 51% 77% 85% Second enrollment period Medicaid expansion Life-changing events exceptions In-person help available Financial help/subsidies Brand new plans Enrollment deadline* Mandate The website www.healthcare.gov Enrolled Uninsured
- 21. STILL UNINSURED: KNOWLEDGEGAPS 21
- 22. STILL UNINSURED: KNOWLEDGEGAPS 22 20% 24% 36% 42% 41% 41% 58% 67% Plans must set limits on out-of-pocket costs Plans must cover preventive care for free Children can stay on parent's plan up to age 26 Plans can't deny based on pre-existing conditions Enrolled Uninsured Percent Knows…
- 23. STILL UNINSURED: KNOWLEDGEGAPS 23 Percent Knows What Each Term Means 47% 48% 48% 56% 63% 69% 70% 71% 76% 80% "Open enrollment" "Premium" "Out-of-pocket maximum" "Deductible" "Co-pay" Enrolled Uninsured
- 24. STILL UNINSURED: THEENGAGED 24 1 in 3 went to their online marketplace – an average of 4.7 times. They are more likely to be… • Older (45 to 64) • White, non-Hispanic • More educated
- 25. STILL UNINSURED: THEENGAGED 25 22% 38% 41% 51% 51% 56% 65% See what doctors would be covered by each plan See what financial assistance/tax credit you would get See if you qualified for Medicaid See what the plans would cover Compare different health plans Start an application See how much plans would cost you Were you able to… N = 345 looked for insurance % Yes
- 26. STILL UNINSURED: THEENGAGED 26 1% 1% 2% 3% 4% 5% 7% 8% 8% 13% 17% 19% 21% 26% 27% 39% Worried about immigration problems Not enough info in my language Could not get help in my language Don't need insurance Haven't had time The law will probably change Waiting for insurance through a job Didn't want to give out personal information Thought I had more time to apply Don't want Obamacare Not sure I was eligible Could not get my questions answered Could not figure out plans' costs It was too confusing Website problems The costs aren't worth it Main reason • Costs aren’t worth it, 26% • Website problems, 12% • Too confusing, 7% • Don’t want Obamacare, 7% • Could not figure out costs, 6% • Not sure if eligible, 6% • Waiting for insurance. 4% Why didn’t you sign up for health insurance? N = 345 looked for insurance
- 27. STILL UNINSURED: THEENGAGED 27 Will you get insurance next year if you are still uninsured? N = 345 looked for insurance Yes 57%No 12% Not sure 31%
- 28. STILL UNINSURED: THEDISENGAGED 28 Who are the disengaged? • Been uninsured for 1+ year (82%) • Under 139% FPL (52%) • In the South (51%) • FFE (69%) • High school or less (68%) • Not working (51%) • 18 to 34 (49%) • Latino (42%) • Do not access internet at home (41%) • Excellent/very good health (40%) 63% of the still uninsured never tried looking for insurance.
- 29. STILL UNINSURED: THEDISENGAGED 29 What are the most important reasons why you didn’t look for insurance? N = 494 didn’t look for insurance 4% 7% 9% 11% 15% 18% 20% 48% Website was broken I heard bad stories in the news I don't need insurance I am waiting to get insurance through a job It was too confusing I didn't think I was eligible I don't want Obamacare I can't afford insurance 79% do not know about financial help /subsidies.
- 30. STILL UNINSURED: FUTUREINTENTIONS 30 Yes 57%No 12% Not sure 31% Among the Engaged Will you get insurance next year if you are still uninsured? Yes 35% No 16% Not sure 49% Among the Disengaged
- 31. STILL UNINSURED: MOTIVATORS 31 1% 2% 3% 3% 4% 6% 7% 9% 10% 11% 11% 13% 14% Ican get financial help/a subsidy I qualify for Medicaid I cannot get health insurance through my job To get my medications I want dental care I have an ongoing health conditon I am worried about having large medical bills I am worried about getting sick I want my family to have health insurance It is the law I can afford a plan To go to the doctor I don't want to pay the fine What is the main reason you would sign up for health insurance next year? Engaged: Afford a plan, go to doctor, want family to have health insurance Disengaged: Don’t want to pay fine, it’s the law, go to the doctor
- 32. © 2013 EnrollAmerica | EnrollAmerica.org Agenda Welcome & Introductions Ambar Calvillo National Deputy Director of Women’s Engagement, Enroll America Key Findings Overview Anne Filipic President, Enroll America The Affordable Care Act’s First Open Enrollment Period: Why Did Some People Enroll and Not Others? Tresa Undem , PerryUndem Research & Communication Looking Forward: Recommendations Jessica Barba Brown Communications Director, Enroll America Q&A 32
- 33. Looking Forward: Recommendations 33 1. Recognize that most uninsured individuals want affordable health coverage. 2. Understand that the law and fine (and how it is increasing) mo@vated many to enroll. 3. Address affordability percep@ons/mispercep@ons. 4. Keep educa@ng: there were many knowledge gaps about key aspects of the Affordable Care Act – and about insurance – that s@ll need to be addressed.
- 34. Looking Forward: Continued 34 5. Use the “news” to educate. 6. Provide La@nos with more details and more (direct) enrollment help. 7. Ac@vate moms (and other family members and friends) to enroll young adults, and inform this demographic of the mandate/fine. 8. Improve the enrollment process.
- 35. © 2013 EnrollAmerica | EnrollAmerica.org Agenda Welcome & Introductions Ambar Calvillo National Deputy Director of Women’s Engagement, Enroll America Key Findings Overview Anne Filipic President, Enroll America The Affordable Care Act’s First Open Enrollment Period: Why Did Some People Enroll and Not Others? Tresa Undem , PerryUndem Research & Communication Looking Forward: Recommendations Jessica Barba Brown Communications Director, Enroll America Q&A 35
- 36. © 2013 EnrollAmerica | EnrollAmerica.org36 Ques@ons & Answers
- 37. © 2013 EnrollAmerica | EnrollAmerica.org • Best practices in outreach & enrollment • Messaging research • Training Webinars • Blogs • …and more! Visit… www.enrollamerica.org 37 For More Information