The Patient Protection and Affordable Care Act

1. The Patient Protection and Affordable Care Act Young Adult Outreach and Education

2. Who are Young Invincibles?

3. Overview How does the ACA affect young adults Young adult outreach

4. How many people in Texas lack health insurance? Texas currently has the highest uninsured population of any state in the country

5. Uninsured Young Adults in Texas • Currently over 2.5 million uninsured 18-35 year olds • 38% of young people are uninsured

6. What Parts of the ACA Affect Young Adults?

7. Wins for Young Adults Under 26 can stay on parent’s plan Under 19 – no denial for pre-existing conditions Free Preventive Care – no co-pays on screenings and check-ups

8. Student Health Plans • Previously unregulated • Now subject to standardized ACA requirements • Must include certain benefits • 80/20 Ratio

9. Women’s Health • Well-women visits • Support for breastfeeding • Domestic violence screening and counseling • Mammograms and cancer screenings

10. Contraception • As of Aug 2012, new health insurance plans must cover contraception with no co-pay • Religiously-affiliated institutions get 1 year delay • After Aug. 2013, employees and students get coverage directly from insurance companies • Religious institutions exempt

11. What Changes Will Come in 2014?

12. Changes to Come Medicaid Expansion Subsidies Exchanges/Marketplaces Growth of CHCs Individual Mandate

13. Texas and Medicaid • Currently eligible: • Low-income children and pregnant women • Working parents only if income = or <26% of FPL • Eligible in 2014: • EVERYONE <133% of FPL • States can decide whether to expand • Gov. Perry opposed, state legislature will decide • 1.5 million young adults

14. Subsidies/Tax Credits • Those making 133-400% of the federal poverty level (FPL) will qualify for subsidies (tax credits) to buy insurance on the exchange • 133% of FPL for 1 person is $14,900 • 44% of FPL for 1 person is $44,000

15. How Much of a Subsidy? • Subsidies based on Silver healthcare plan. • Individuals can receive subsidy but apply to Bronze plan to save money.

16. Ex-cha-cha-cha-Changes Can shop for insurance Each state is different, some will have federally-facilitated exchanges (FFEs) Subsidies applied directly

17. Exchanges in the States • In July 2012, Governor Rick Perry informed HHS that Texas will not create a state exchange program • TX, AK, LA, FL, SC, NH, and ME will have a federally-facilitated exchange programs Picture Source: Center on Budget and Policy Priorities

18. Growth of Community Health Centers (CHCs) • Currently 7,000 CHCs provide care to 20 million individuals • Collectively financed at $2.2 billion • Provisions in ACA expected to finance 14,000 CHCs at $11 billion, doubling patient population

19. Other important parts of the ACA • No Annual Limits • Tax Credit for employers • Catastrophic plans • Marketed to the young • Targets those with financial hardship Picture Source: http://wymancenter.org/the-importance-of-bulking-up-the-muscle-of-perseverance/

20. Individual Mandate and Penalties • Individuals must have qualifying health insurance • If not, penalties • $95 the first year • Rises by 2016 • Exemptions Picture Source: http://thepinkleague.com/2012/08/30/so-whats-the-lowdown-the-basics-of-football-part-2/

21. Jessica, 19 years old Part-time student, part-time job $10,000/year before taxes~ 90% of poverty Without Medicaid expansion, she doesn’t qualify for Medicaid and would not have health insurance

22. Jeff, 21 years old Part-time student, full-time construction worker Earns $23,000/year Takes home: $1,580/month Total health premium: $282/month With tax credits he pays: $120/month

23. Outreach and Education for Young Adults in Texas

24. Overview Health Care Outreach Mobile Technology Social Media Challenges Navigators Timeline

25. Health Care Outreach • Traditional Outreach • Tabling • Group Presentations • Hosting events • New Outreach Strategies

26. Mobile Outreach • Your Healthcare Finder • Find doctors in the area • For Android and iPhone • Mobile Website • Text Message Services • QR Codes • Can be scanned and direct users to your website

27. Using Social Media • Facebook • Create events • Send news updates • Twitter • Connect with new people • Coordinate plans • Retweet • Be fun! Picture Source: Wikimedia Commons

28. Why do I need Insurance? • It’s expensive • ACA offers new options • I’m young and healthy • Injuries can happen to anyone • Make it personal • I don’t believe in health insurance • Uninsured drives up health care costs • Individual mandate requires insurance

29. Navigators & Assisters State exchanges – formal “Navigator” program States with federal exchanges– likely assistance on outreach

30. Timeline: What to Look For • Present – end of 2012: • Educate young adults about ACA • Ensure young adults are on dependent coverage • Jan 2013 – Oct 2013: • Educate young adults about the upcoming Exchanges. • Oct 1st, 2013 – March 31st, 2014 • Open enrollment for exchanges • Ensure young adults are getting subsidies and Medicaid, if possible

31. Key Takeaways • ACA is phasing in, some changes already underway • Many uninsured young adults in Texas • Outreach and education • Traditional outreach • Social media and mobile technology • Big changes in 2013