Health Insurance Coverage Between Jobs - During the pandemic, health coverage may be more important than ever. This is another goal of ours as we tell stories to build a better Bay Area.
Between March 1 and May 2 of this year, nearly 78 million people in the United States lived in a family in which someone lost a job.
Health Insurance Coverage Between Jobs
"No cover, I'm very stressed. I really want to get my asthma inhalers as soon as possible."
For Many Americans, Health Coverage Is Tied To A Job — And Now They Have Neither
Narvaez lost her job as a waiter, along with her health insurance, in March due to shelter-in-place orders that forced the restaurant she worked at to close.
"I have a five-year-old son and he doesn't have medical care now... and it's a really scary situation."
An estimated 27 million newly unemployed workers and their dependents could lose their health insurance if they don't get other coverage.
According to the KFF study, almost half of the unemployed are eligible for Medicaid. An additional 31% are eligible for Affordable Care Act grants.
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"We have a special enrollment period due to the COVID pandemic," said Peter Lee, Executive Director of Covered California.
"2.5 times more people signed up than last year. We talk every day about thousands of Californians coming in and getting insurance right away."
The KFF study shows that states such as Texas, Georgia and Florida, which did not expand Medicaid, will have significant gaps in coverage.
Kate Larsen: "Are you saying that anyone in California who has lost their job and therefore their private insurance can find some kind of coverage through Covered California?"
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Peter Lee: "Absolutely. With one exception, if you are an undocumented immigrant, you may not be eligible for financial assistance."
Narvaez called Covered California on Wednesday and was able to sign up for Medi-Cal. Its coverage begins on June 1.
If you have a question or comment about the coronavirus pandemic, submit it using the form below or here. Center for Health Policy and Economics. The Initiative aims to inform the national health care debate with rigorous evidence-based analysis that leads to actionable recommendations using the collaborative strengths of USC and . This post has been updated to include new information about how unemployment insurance and other benefits affect eligibility for health insurance programs.
Christen Linke Young Deputy Assistant to the President for Health and Veterans Affairs - Domestic Policy Council for Health and Veterans Affairs Former Fellow - USC- Schaeffer Initiative for Health Policy
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More than 50% of Americans obtain health insurance through their own work or a family member. As people practice social distancing and the economic effects of COVID-19 begin to be felt across the country, some currently insured families may lose their employment-based health insurance within weeks or days. - the coming months because they lose their jobs or have their hours. reduced. But it can be a particularly scary time to become uninsured. The good news is that many people who lose their insurance have the option of getting comprehensive, subsidized coverage, and the coverage is often more affordable than people expect.
This article first explains the types of comprehensive coverage people are eligible for, then explains how to sign up. Families should plan to act quickly - in many cases, the deadline to get coverage is 60 days after the family's old coverage ends, and health care costs are often not covered unless people sign up. Anyone unsure of where to start should visit www.HealthCare.gov to learn more.
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Everyone's circumstances are different, but in general people may qualify for a few different types of comprehensive unemployment coverage and employment-based coverage.
An initial assessment of the type of coverage a family is eligible for requires three pieces of information: 1) state of residence, 2) monthly family income.
Including part (but not all, see table below) of their Unemployment Insurance benefit, 3) the family's projected annual income
, including earnings before they lose their job, any unemployment insurance, and earnings they expect to earn in a new job later in the year.
Long Term Trends In Employer Based Coverage
Monthly income and annual income are calculated according to different rules, which are particularly confusing due to some new rules related to COVID-19:
An estimate of monthly and annual income makes it possible to assess the coverage that a family can claim for.
In general, anyone can visit www.HealthCare.gov to begin the coverage enrollment process. Most people who have lost coverage due to a job loss will be eligible for a "special enrollment period" and can follow the appropriate instructions on HealthCare.gov. But there are a few tricks that can make the process easier.
The Initiative is a partnership between the USC Economic Studies Program and the USC Schaeffer Center for Health Policy and Economics, and aims to inform the national debate on health care -health with rigorous, evidence-based analysis that leads to practical recommendations using the collaborative strengths of USC and .
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Access to Health Care The Shortage of the Behavioral Health Workforce: Can We Make Better Use of the Providers We Have? In 2011, 37 million people living in the United States identified as black or African American. Blacks are currently the third largest racial or ethnic group in the United States after non-Hispanic whites and Hispanics (Figure 1). Although the nation is expected to become increasingly diverse and the black population to grow over the next few decades, blacks are expected to maintain a constant share of the population. The Affordable Care Act (ACA) has significant implications for black people as they face long-term and persistent disparities in health and health care.
One of the main goals of the ACA is to reduce the number of uninsured people by expanding Medicaid and creating new health insurance exchange markets with tax credits to help to people moderate income to buy coverage. Many uninsured Black people could benefit from these new coverage pathways, which would help increase their access to care and promote greater equity in health care. This brief provides an overview of the black population in the United States, their current health coverage, and how their coverage may be affected by the ACA coverage extensions.
The 37 million blacks who live in the United States represent more than a tenth of the total population. In eight states, mostly concentrated in the South, and the District of Columbia, blacks make up at least 20 percent of the total population, while they make up a very small share of the population in many states in the Northwest and Midwest (Figure 2). ). More than half of black people live in just eight states, including Texas, Florida, Georgia, New York, California, North Carolina, Illinois and Maryland.
There is diversity within the black population. The population includes individuals of various ethnicities and immigration status. For example, while some African American families have been in the United States for many generations, others are more recent immigrants from places like Africa, the Caribbean, or the West Indies. However, the vast majority of blacks are US-born citizens (92%). In addition, there is diversity in educational attainment, socioeconomic status, and other characteristics. Aggregate data can mask many of these socio-demographic differences within the black population.
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Compared to non-Hispanic whites, the black population is much smaller. Overall, 40% of all blacks are under the age of 26, compared to 30% of non-Hispanic whites and 35% of all US residents. Blacks are also almost half as likely as whites to be over 65. In 2011, 10% of blacks were older adults, compared to 17% of whites.
While the majority of non-elderly blacks come from working families, they are far more likely than whites to be poor. Overall, almost two-thirds of non-elderly Blacks have a full-time worker in the family. However, the vast majority of black workers (70%) work in white-collar jobs that typically offer low wages and are less likely than white-collar jobs to offer health insurance coverage. Reflecting both lower rates of full-time employment and higher concentrations of black workers in blue-collar jobs, African Americans are two and a half times more likely than whites to have a lower family income in the poverty line (Figure 3).
In 2011, there were more than 7 million non-elderly uninsured Blacks, representing approximately 15% of the total non-elderly uninsured population (Figure 4). More than five out of six uninsured black people (84%) are adults, while the remaining million are children 18 years of age or younger. More than two-thirds are part of a working family, half of which have at least one full-time worker in the family. However, the majority have a low income (less than 138% poverty), including more than a third who have a very low income below half of
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