Healthcare in America

1. Healthcare in America What You Should Know

2. The League of Women Voters We’re a nonpartisan political nonprofit organization Established in 1920 when women got the vote Men accepted since 1972 We serve voters and promote good governance We research, educate and advocate

3. What We’re Going to Cover Health insurance and health care Health insurance types Health care in the U.S. Health care spending

4. Health Insurance Money collected pays for: • Health care and medications • Administration • Profits (private, for-profit insurance)

6. Health Insurance Types

7. Private Insurance • PPO • HMO • Indemnity

8. Private Insurance • Preferred Provider Organization (PPO) • HMO • Indemnity

9. Private Insurance • PPO • Health Maintenance Organization (HMO) • Indemnity

10. Private Insurance • PPO • HMO • Indemnity

11. Insurance Terms

12. Insurance Terms

13. Government Administered, Taxpayer Funded Insurance

14. Medicare A federally administered national social insurance program: • Mostly for people aged 65 and over • Funded primarily through taxes and individual premium payments

15. Original Medicare

16. Medicare Advantage plans • Also called Medicare Part C • Offers alternatives to standard Medicare

17. Medicare Part D • Prescription drug coverage

18. Medigap Policies • Supplemental health insurance

19. Medicaid A joint federal and state program for some low-income people: • Families with children • People with disabilities • Pregnant women • Some elderly

20. The Coverage Gap ACA = Affordable Care Act (“Obamacare”) Source: Henry J. Kaiser Family Foundation

21. Medicaid Expansion • Medicaid expansion “closes the coverage gap”. • Provides Federal funds to states that expand Medicaid to cover certain additional low-income persons. • Federal government pays ALL of the cost for 2 years, • After 2 years, Federal share is gradually reduced to 90% of total cost.

22. Current Status of State Medicaid Expansion Decisions – January 4, 2019 Source: National Academy for State Health Policy

23. Mixed Government and Private Insurance • Affordable Care Act (ACA) aka “Obamacare” • Single payer

24. ACA aka “Obamacare” • Mandated preventive care benefits • Mandate to participate was eliminated effective Jan. 1, 2019

25. ACA improved all types of coverage • Premium payment subsidies for low-income people • Offered expanded Medicaid coverage to states • Prohibited restrictive and exclusionary practices

26. ACA and Employer-Based Insurance • Almost 9 million Floridians have benefitted from: • Removal of lifetime limits • Coverage of young adults until age 26 • Free preventive care

27. ACA improved individual market policies • Over 1.7 million Floridians have benefitted from: • No exclusion of pre-existing illnesses • Tax credits to help pay for insurance • Women pay the same as men • Greater transparency and often better choice

28. ACA improved Medicare • Over 4 million Floridians have benefitted from: • Lower costs for prescription drugs • Free preventive care and screenings • Better hospital safety incentives

29. Single Payer Insurance • Financed by a single public body • Providers may be private and/or public

30. Health Care in the U.S. How do we compare?

31. Cancer Survival

32. Heart Disease Deaths

33. Obesity Source: OECD Obesity Update 2017

34. Infant Mortality

35. Life Expectancy at Birth

36. Elderly with Chronic Conditions Percent of Population 65+ with 2 or More Chronic Conditions United States68% Source: OECD Health Data, 2015

37. Elective Surgery Wait Times

38. Health Care Spending per Capita Source: OECD 20171, OECD Health Statistics 2017

39. Health Care in America In the U.S., we have:

40. Health Care in America In the U.S., we have:

41. Health Care in America In the U.S., we:

42. THANK YOU Any questions? OF FLORIDA www.lwvfl.org