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The Patient Protection and Affordable Care Act

The Patient Protection and Affordable Care Act. Young Adult Outreach and Education. Who Doesn’t Have Insurance? . 15.7% of residents in the U.S. lack insurance 26.9 % of 18-34 year olds in the US lack insurance. 13.4% of residents in Virginia lack insurance

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The Patient Protection and Affordable Care Act

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

  2. Who Doesn’t Have Insurance? 15.7% of residents in the U.S. lack insurance 26.9% of 18-34 year olds in the US lack insurance • 13.4% of residents in Virginia lack insurance • 23.3% of 18-34 year olds in Virginia lack insurance

  3. Who are Young Invincibles?

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

  5. What is the ACA? 2010 2012 2014 ACA was signed into law March 23, 2010 Could cover as many as 17 million previously uninsured young Americans Reforms insurance market Phased in from 2010-2014

  6. ACA Provisions Already in Effect that Help Young Adults

  7. What’s Already in Effect? 2010 2012 2014 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 Must spend 80 or 85% of premiums on health care (depending on plan)

  8. New This Year 2010 2012 2014 Student Health Plans Women’s Health Contraception Community Health Centers

  9. Student Health Plans • Previously limited regulations • Now subject to standardized ACA requirements • Must include preventive care benefits • 80/20 Ratio by 2014

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

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

  12. Growth of Community Health Centers (CHCs) • Currently 8,000 CHCs provide care to 20 million individuals • In June 2012 grants went to 219 community health centers around the country • Increased number of patients served by 1.25 million

  13. What Changes Will Come in 2014?

  14. Changes to Come 2010 2012 2014 Medicaid Expansion Subsidies Exchanges/Marketplaces Individual Mandate

  15. Virginia and Medicaid • Currently eligible: • Low-income children, parents and pregnant women • Individuals with disabilities • Eligible in 2014: • EVERYONE ≤133% of FPL • States can decide whether to expand • Virginia has not decided whether to expand Medicaid

  16. Potential Benefit to Young Adults in Virginia

  17. 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 • 400% of FPL for 1 person is $44,000

  18. How Much of a Subsidy? • Four tiers of plans – Bronze, Silver, Gold, and Platinum • Subsidies are calculated based on Silver plan • Individuals can use subsidy for any plan

  19. Ex-cha-cha-cha-Changes • Shop for insurance • Each state is different • State-based exchange • Federally-facilitated exchanges (FFEs) • Partnerships • Subsidies applied directly • Virginia is still undecided on what type of exchange it will have

  20. Exchanges in the States Governor Bob McDonnell must notify HHS about what type of exchange VA will have by Dec. 14 Picture Source: Kaiser Family Foundation

  21. How many young people in Virginia could get benefits?

  22. Other important parts of the ACA • Catastrophic plans • Available on exchange, no subsidies apply • Marketed to the young • Targets those with financial hardship • No Annual Limits in 2014 (already phasing out) • Tax Credit for employers (already started) Picture Source: http://wymancenter.org/the-importance-of-bulking-up-the-muscle-of-perseverance/

  23. Individual Mandate and Penalties • Individuals must have qualifying health insurance • If not, penalties • $95 the first year • Rises in 2016, ex. $695 • Exemptions Picture Source: http://thepinkleague.com/2012/08/30/so-whats-the-lowdown-the-basics-of-football-part-2/

  24. Jessica, 19 years old Part-time student, part-time job $10,000/year before taxes~ 87% of poverty Without Medicaid expansion, she doesn’t qualify for Medicaid and would not have health insurance

  25. Jeff, 21 years old Part-time student, full-time construction worker Earns $23,000/year Takes home: $1,438/month Total health premium: $283/month With tax credits he pays: $121/month

  26. Overview: ACA and Young Adults • Young adults have high rates of uninsurance • The ACA has many provisions that help young adults • Dependent Coverage • Student Health Plans • Contraception and Women’s Health • Changes to come • Expanded Medicaid • Subsidies • Exchanges • Individual Mandate

  27. Outreach and Education for Young Adults in Virginia

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

  29. Health Care Outreach • Traditional Outreach • Tabling • Group presentations • Hosting events • New Outreach Strategies

  30. 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

  31. Find a Doctor • Find doctors and Community Health Centers in your area • Search by location with GPS or zip code • Search by name or category • Shows user ratings of doctors in the area

  32. Healthcare FAQ Explains how to find health insurance for different people (students, chronic conditions, buying your own plan) Explains the health care law Defines common health insurance terms

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

  34. 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 • Why do I need health insurance? • Uninsured drives up health care costs • Individual mandate requires insurance

  35. Navigators & Assisters

  36. Timeline: What to Look For • Present – end of 2012: • Educate young adults about ACA • Ensure young adults are on dependent coverage • Jan – 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

  37. Key Takeaways @YI_Care • ACA is phasing in, some changes already underway • Outreach and education • Traditional outreach • Social media and mobile technology • Big changes in 2013 • Like us on Facebook • Follow us on Twitter

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