Posts Tagged - ‘uninsured’

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Statistics About Massachusetts’ Uninsured

Wednesday, August 18th, 2010
affordable health insurance
Image: David Paul Ohmer under CC 3.0

Largely due to the state’s first-in-the-nation healthcare reform, Massachusetts residents are the most likely in America to have a health insurance plan. Still, the expansion has not succeeded in providing universal coverage. Why?

A recent study from the Urban Institute and the Robert Wood Johnson Foundation’s State Access Reform Evaluation looked to identify the 4.1 percent who were still uninsured.

Here are their findings on the average Massachusetts resident without health insurance:

  • From 19 to 64 years old
  • male
  • an ethnic or racial minority (African-American, Hispanic, etc.)
  • unmarried
  • lack of proficency in the English language; either their own or that of an adult who lives with them
  • less educated
  • not a U.S. citizen
  • more likely to be unemployed
  • could be eligible for public Medicaid coverage

The study’s authors believe that the state’s message may not be getting across to its attempted demographic. Suggestions include rewriting the program information in order for it to be understandable with a 4th to 8th grade reading level.

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Health Coverage and HIV/AIDS

Tuesday, July 13th, 2010

Image: Sully Pixel under CC 3.0

With its affordable health insurance legislation under its belt, the Obama administration has begun tackling a new health issue: the HIV/AIDS crisis. Although new infections have slowed since their peak in the ’80s, many people are still affected.

It is a two-pronged effort, aimed at reducing new infections while increasing access to health care for those who already have it. Instead of allocating significant amounts of new funding, existing funding will be redirected to high-risk populations like African-Americans and gay/bisexual men.

Some fear that the new comprehensive strategy won’t be enough, however. The economy has resulted in many people losing their jobs, which for many also means losing health coverage. Although there are medications that allow HIV patients to live longer and healthier lives, they are still very expensive. The out-of-pocket cost is almost out of reach for the uninsured. In addition, a person with HIV or AIDS would find it almost impossible to buy health insurance on the open market for the next several years.

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Pre-Existing Condition Insurance Plan Has Launched!

Thursday, July 1st, 2010

Image: twbuckner under CC 3.0

Today is the official launch date of one of the most heavily hyped elements of affordable health insurance reform: the temporary pools for up to 350,000 uninsured people with pre-existing conditions. Only citizens or legal residents who have lacked insurance for over six months are eligible to sign up.

29 states will run their own health insurance pools, while 21 others have left the responsibility up to the federal government’s Department of Health and Human Services. Those living in the latter states can apply today for coverage that begins next month, while others must wait until later this summer. Many of the latter were leery of supplementing their existing high-risk pools with another one that met the new requirements (that rates charged are similar to the rest of the market, etc.) However, the rates charged in each state will vary widely, based on several factors–including age.

These pools are intended as temporary solutions for health coverage, until reforms take full effect in four years. By 2014, these stopgap solutions should no longer be necessary, since health insurers will no longer be allowed to deny coverage to high-risk patients.

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More People Without Health Insurance Plans Last Year

Monday, June 21st, 2010

The number of uninsured Americans increased in 2009, according to a recent survey. Three million more lost their health insurance plans as a result of the recession. Private employers dropped their coverage as they laid off workers.

Some proponents believe that healthcare reform will alleviate this problem by decoupling insurance from employment.

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Ohio Health Insurance For Young Adults Goes Past Nation

Friday, June 11th, 2010

As most people know, the national healthcare reform law requires health insurers to cover young adult dependents of policyholders.

While the federal law is effective until age 26, recent Ohio health insurance legislation goes a step further. In that state, all regulated health plans are required to extend that coverage until he or she turns 28!

Large corporations that self-insure (instead of buying coverage) are exempt, although activists are asking them to comply regardless.

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Massachusetts Health Insurance Coverage Rates Stay Steady

Wednesday, June 9th, 2010

Like the rest of the country, the state of Massachusetts has been battered by the recession. Many people are jobless, which would normally leave them uninsured prior to healthcare reform.

However, the percentage of residents with Massachusetts health insurance has remained largely steady. This is partially due to reform decoupling health coverage with employment. The 4.8% of uninsured residents in 2009 is the lowest percentage in the nation, and is similar to 2008 figures. Racial minorities are just as likely to be insured as Caucasians.

Their own reform experience may be a ray of hope for the nation.

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How Does Health Insurance Coverage Affect Emergency Room Visits?

Tuesday, June 8th, 2010

Image: Chris.Violette under CC 3.0

It is commonly believed that the lack of affordable health insurance results in more emergency room visits, many of which could otherwise have been avoided. However, a recent study shows that isn’t always true.

Here are some facts about the ER and insurance status:

  • Those who are between the ages of 18 and 44 and uninsured are more likely to have gone to the emergency room in the past year than those with private health insurance.
  • On the other hand, insurance status has no impact on how often the 45-64 age group visits the ER.
  • Children under age 18 also have similar rates of emergency visits.
  • Strangely, low-income individuals and families on Medicaid are more likely to resort to multiple emergency treatments than those with no insurance at all! This does not bode well for the prospects of healthcare reform, which will bring millions of new people into the fold through that government program–as well as through other means.
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FL Gov. Charlie Crist Vetoes Money For Uninsured

Wednesday, June 2nd, 2010

Image: kwalk628 under CC 3.0

Florida Republican-turned-Independent Governor and Senate Candidate Charlie Crist just vetoed a bill that budgeted almost $10 billion for hospitals to care for the uninsured and under-insured. Recent figures show 27% of non-senior citizen residents lacking Florida health insurance.

He may believe that healthcare reform will reduce the need for uncompensated charity care, since more people will have insurance. In addition, his state has been hard hit by the real estate slump. Still, people are confused, because Crist appeared to have given up on the conservative Tea Party vote once he dropped out of the Republican primary.

This particular line item has been in the state’s budget for over 30 years, far before affordable health insurance reform was a gleam in Barack Obama’s eye, and has been relatively noncontroversial during that time. However, the political climate is very heated, especially in an area where the Attorney General (Bill McCollum) has famously launched a lawsuit against the Obama administration on constitutional grounds.

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Homeless and Uninsured

Wednesday, May 26th, 2010

Image: Michele Eve under CC 3.0

Compared to the general American population, the homeless are 10 times less likely to receive necessary health care. A person unable to afford shelter is obviously very unlikely to have health insurance–making care more difficult to find. About a third of them had problems finding needed surgical or medical services they could afford.

Although there are community clinics in many areas that charge based on a patient’s ability to pay–not to mention emergency rooms–there are issues with finding effective transportation, as well as their facilities. In addition, many clinics don’t cover vision or dental services. Both can be symptoms of general health issues.

Homeless individuals who had been employed at least part-time over the past year were more likely to be uninsured than the unemployed, possibly due to their lack of income eligibility for government health insurance plans such as Medicaid.

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More Restaurant Employees To Get Health Insurance

Monday, May 24th, 2010

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When it comes to low-wage service jobs, the restaurant industry is at the forefront. Many employees earn minimum wage or less, due to expected tips. Many employers do not offer health insurance. Other times, the insurance is just too expensive for employees with variable hours. That is why up to 10% of the currently uninsured are those working in the food service industry.

A breakthrough agreement looks to change the status quo. United HealthCare (one of America’s largest health insurers) and the National Restaurant Association (a leading trade group) are working together to increase health insurance plan access to employees.

Four to six million people will be affected. So far, the program will only be available in several states, but they are looking towards expansion nationwide.

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