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The Affordable Care Act (ACA) and What It Means for Latinos

The Affordable Care Act (ACA) and What It Means for Latinos. An Overview by the Kaiser Family Foundation for Univision Affiliates Webinar Briefing June 19, 2013. Today’s Speakers. Larry Levitt Senior Vice President for Special Initiatives a nd

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The Affordable Care Act (ACA) and What It Means for Latinos

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  1. The Affordable Care Act (ACA) and What It Means for Latinos An Overview by the Kaiser Family Foundation for Univision Affiliates Webinar Briefing June 19, 2013

  2. Today’s Speakers Larry Levitt Senior Vice President for Special Initiatives and Co-Executive Director of the Program for the Study of Health Reform and Private Insurance Claudia Deane Associate Director for Public Opinion & Survey Research Samantha Artiga Director of Disparities Policy Project and Associate Director of the Kaiser Commission on Medicaid and the Uninsured Tina Hoff Senior Vice President and Director of Health Communication and Media Partnerships

  3. 1. The Basics of the Affordable Care Act (ACA) New and Increased Coverage Options available starting in 2014 • For states that chose to, Medicaid will be expanded to cover adults with incomes up to 138% of the federal poverty level (about $16K per year for a single person, $21K for a couple).  The Supreme Court ruling on the ACA changed the expansion from a nationwide action to a state option. • New health insurance “marketplaces” (also called “exchanges”) will provide options for individuals buying insurance on their own and for small businesses. Enrollment begins Oct. 1 2013 thru March 31, 2014. Tax credits will be available to persons with incomes from 100% to 400% of the federal poverty level (about $46K for an individual and $94K for a family of four) to help offset costs. • Employers with 50+ workers must offer affordable insurance to their workers or pay a penalty. • As of end of 2010, parents are now able to keep children on their insurance up to age 26. Insurance Market Reforms Taking Effect in 2014 • Insurers will be required to provide coverage to everyone regardless of pre-existing health conditions. Variations in premiums limited for age and prohibited for gender and health status. • All insurance plans sold to individuals and small businesses will have to provide a minimum level of coverage, including preventive care, maternity, mental health, and prescription drugs. • To help these reforms work and keep premiums down, most Americans will be required to have insurance or pay a penalty (the “individual mandate”).

  4. 2. At Three Years Public Opinion on ACA Remains Divided As you may know, a health reform bill was signed into law in 2010. Given what you know about the health reform law, do you have a generally favorable or generally unfavorable opinion of it? ACA signed into law on March 23, 2010 SOURCE: Kaiser Family Foundation Health Tracking Polls

  5. 3. Ongoing Partisan Divide on ACA Percent who say they have a favorable opinion of the health reform law: ACA signed into law on March 23, 2010 SOURCE: Kaiser Family Foundation Health Tracking Polls

  6. 4. More Hispanics Lean Favorably Toward ACA As you may know, a health reform bill was signed into law in 2010. Given what you know about the health reform law, do you have a generally favorable or generally unfavorable opinion of it? AMONG HISPANICS ACA signed into law on March 23, 2010 SOURCE: Kaiser Family Foundation Health Tracking Polls

  7. 5. Spanish-Dominant Hispanics Most Favorable Views Toward ACA As you may know, a health reform bill was signed into law in 2010. Given what you know about the health reform law, do you have a generally favorable or generally unfavorable opinion of it? Hispanics by Language Preference SOURCE: Kaiser Family Foundation Health Tracking Polls (conducted April 15-20, 2013 and June 4-9, 2013)

  8. 6. Two in Three Hispanics Feel Uninformed About Law Do you feel you have enough information about the health reform law to understand how it will impact you and your family, or not? SOURCE: Kaiser Family Foundation Health Tracking Poll (conducted April 15-20, 2013)

  9. 7. Hispanics are at Highest Risk of Being Without Insurance Compared to Other Races/Ethnicities Insurance Coverage of Nonelderly in the U.S. by Race/Ethnicity, 2011: Non- Workers 22% High School 1 or More Full-Time 35-54 34% 1 or More Full-Time 62% Non-Workers White 26-34 21% Less Than High School 33.5 M 1.9 M 49.2 M 161.6 M 14.7 M SOURCE: KCMU/ Urban Institute analysis of 2012 ASEC Supplement to the CPS.

  10. 8. Most Uninsured Hispanics are in Working Families; More than Half are under the age of 26 Characteristics of 15.5 Million Nonelderly Uninsured Hispanics in the U.S. Family Work Status Age Citizenship Status At Least 1 Full-Time Worker 68% SOURCE: KCMU/ Urban Institute analysis of 2012 ASEC Supplement to the CPS.

  11. 9. ACA Expands Access to Health Insurance Coverage Medicaid/CHIP John Doe 123 Main Street 12345 Premium Tax Credits Unsubsidized Marketplace Coverage Eligibility for Multiple Programs Determined in Real Time Information Provided on Available Plans for Comparison Enrollment Into Selected Plan

  12. 10. Most Uninsured Hispanics are at Income Levels that Qualify for Medicaid Expansion or Subsidies 15.5 Million Non Elderly Uninsured Hispanics By Income Level Health Insurance Status among the 49.2 Million Non-Elderly Hispanics in the U.S. ≥400% FPL (5%) 139-399% FPL Subsidies (38%) ≤138% FPL Medicaid (57%) Employer-Sponsored Coverage/Other Private 39% Uninsured Uninsured Medicaid/ Other Public Medicaid* 30% SOURCE: KCMU/ Urban Institute analysis of 2012 ASEC Supplement to the CPS.

  13. 11. The ACA Medicaid Expansion Extends Eligibility to Low-Income Adults Medicaid Eligibility in 2014 MedicaidEligibility Today Pregnant Women Extends to Adults ≤138% FPL* Elderly & Persons with Disabilities Adults up to Parents Children • 138% FPL

  14. 12. Current Status of the Medicaid Expansion Decisionas of June 14, 2013 ME VT WA NH MT ND MN OR MA NY WI SD ID MI RI CT WY PA NJ IA NE OH DE IN IL NV MD CO UT WV VA CA DC KS MO KY NC TN AZ SC OK AR NM GA AL MS AK LA TX FL HI Moving Forward at this Time (24 States including DC) Debate Ongoing (7 States) Not Moving Forward at this Time (20 States) SOURCE: Based on KCMU analysis of recent news reports, executive activity and legislative activity in states.

  15. 13. Hispanics have High Stakes in State Decisions to Expand Medicaid Distribution of Uninsured Hispanics who are Income Eligible for Medicaid Expansion (8.9 Million) 44% in States Not Moving Forward at this Time (20 States) 52% in States Moving Forward at this Time (24 States) SOURCE: Based on KCMU analysis of 2011 American Community Survey.

  16. 14. State Health Insurance Marketplace Decisionsas of May 28, 2013 VT WA ME ND MT NH MN OR MA NY WI SD ID RI MI CT PA WY NJ IA DE OH NE NV IN IL MD CO UT WV VA CA DC KS MO KY NC TN OK SC AZ AR NM GA AL MS AK TX LA FL HI State-based Marketplace (16 states and DC) Partnership Marketplace (7 states) Federally-facilitated Marketplace (27 states)

  17. 15. Outreach and Enrollment Resources for Hispanics • Outreach and education campaigns will ramp up in Summer 2013 • October 2013: Open enrollment for Marketplace coverage begins • January 2014: Start date for Marketplace and Medicaid expansion coverage • March 2014: Initial open enrollment period for Marketplace coverage ends • Enrollment in Medicaid is not limited to the open enrollment period • Outreach initiatives • HHS/CMS • States • Enroll America and other private initiatives • Resources to direct individuals for more information • Healthcare.gov • National and state call center help lines • Network of certified “assisters” or “navigators” • Community health centers • National Alliance for Hispanic Health Buena Salud Club and Su Familia Provider Database -- Subsidy Calculator from Kaiser Family Foundation: http://www.kff.org/interactive/subsidy-calculator

  18. 16. Key Issues to Watch • How will implementation vary by state? • How many people are signing up for new coverage options? Are the young and healthy getting insured as well as those who are sick? How does gaining insurance impact individuals’ health care and personal lives? • How many states expand Medicaid? What will expansion decisions mean for coverage and costs? For efforts to reduce health care disparities? What happens to poor adults who do not gain a new coverage option in states that do not expand Medicaid? • Are the new marketplace insurance options affordable, taking into account tax credits for low and middle income people? How competitive are the new insurance marketplaces? Are new, local plans entering the market? • What happens to the safety-net for those left out of expanded insurance? • There will be technical glitches in the new marketplaces. Are they widespread or anecdotal? Are they addressed quickly? Are people getting the help they need to understand new coverage options and enroll? • How well do education, outreach, and enrollment efforts meet the language and cultural needs of the community? • How are employers reacting? Are they expanding health benefits or paying the penalty?

  19. Q&A Please use the chat function within your webinar screen to submit questions to our speakers.

  20. For more information • Please visit our website: www.kff.org/health-reform-resources • Contact: Tina Hoff at THoff@kff.org.

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