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    Every Income Group Experienced Significant and Similar Drops in Uninsured Rates Under the Affordable Care Act

    - ACA led to widespread coverage gains across income, age, geography, and race; expanding Medicaid significantly strengthens gains -


    Today, the U.S. Department of Health and Human Services released new research analyzing gains in health insurance coverage from 2010-2015 across key demographic categories of Americans: income, age, geography, race and ethnicity. The report finds that ACA coverage gains have been widely shared across groups. For example, the uninsured rate fell by around 40 percent for Americans in all income groups for 2010 through 2015, including individuals with incomes above 400 percent of the federal poverty level (FPL).

    “Regardless of your income, age, geography, or race, everyone is gaining access to coverage or better coverage under the Affordable Care Act,” said Secretary Sylvia M. Burwell. “Going into the fourth Open Enrollment, Americans have experienced historic coverage gains. People can’t be discriminated against because of preexisting conditions, young adults can stay on a parent’s plan until age 26, and working families without employer coverage can get help paying for health insurance. People who already had health insurance have benefited from new protections like free preventive services, as well as from slower growth in employer premiums.”

    The new report shows how different provisions of the ACA have worked in concert to reduce uninsured rates. The near-equal percent drops in uninsured rates across groups indicate that the ACA is reducing the uninsured rate most in absolute terms among groups that had the highest uninsured rates before the law. For example, individuals age 26-34 and 35-54 saw similar percentage drops in uninsured rates, but since the younger group had higher pre-ACA uninsured rates, a larger fraction of them have gained coverage since its passage. Today’s report looks primarily at data through 2015. In the first quarter of 2016, the national uninsured rate dropped again from 9.1 percent to 8.6 percent.

    One of the few groups seeing a notably smaller decline in uninsured rates was Americans living in poverty in states that chose not to expand Medicaid. This group falls into the coverage gap, unable to access Medicaid coverage or Marketplace financial assistance. If the 19 remaining states adopted the ACA’s expansion of Medicaid, an additional 4.1 million residents would gain coverage, according to Urban Institute estimates.


    Income

    Gains in health coverage across the income distribution indicate the success of a range of different ACA provisions. While Medicaid expansion has been especially crucial for low-income Americans, moderate- and middle-income families have benefited from consumer protections that prevent insurers from discriminating or denying coverage based on pre-existing conditions, from provisions allowing young adults to stay on their parents’ plans, and from financial assistance that helps families without access to affordable coverage (e.g. employer sponsored insurance). Overall, all groups have seen percentage reductions in their uninsured rates of around 40 percent. Less than 100% FPL: 39% reduction
    100-125% FPL: 48% reduction
    125-250% FPL: 41% reduction
    250-400% FPL: 37% reduction
    400% FPL and higher: 42% reduction


    Age

    Since 2010, non-elderly adults of all ages have seen substantial decreases in the uninsured rate. But the most dramatic decline has been among 18-25 year olds, who experienced a 52% reduction in the uninsured rate thanks in large part to the ACA provision that allows young adults to remain on their parents’ plan until age 26.

    18-25 year olds: 52% reduction
    26-34 year olds: 36% reduction
    35-54 year olds: 39% reduction
    55-64 year olds: 40% reduction


    Geography

    The uninsured rate has decreased significantly and similarly among in both urban and rural areas since 2010. The similar overall coverage gains for rural individuals are particularly striking in light of the fact that uninsured rural individuals are disproportionately concentrated in states that have not expanded Medicaid. If all states had expanded Medicaid, rural individuals would likely have seen a larger decline in the uninsured rate.

    Metropolitan (urban) areas: 42% reduction
    Non-metropolitan (rural) areas: 39% reduction


    Race and Ethnicity

    Coverage gains have also been broadly shared across racial and ethnic groups of non-elderly adults.
    Asian (non-Hispanic): 59% reduction
    Black (non-Hispanic): 47% reduction
    White (non-Hispanic): 46% reduction
    Hispanic: 35% reduction


    Medicaid expansion

    Medicaid expansion states experienced greater gains in coverage than non-expansion states. Between 2010 and 2015, the overall uninsured rate decreased nearly 50% in expansion states, while declining by nearly 32% in states that chose not to expand.

    Consistent with this, improvements in health care coverage among racial and ethnic minority groups in particular have been more dramatic in states that have expanded Medicaid. For example, the uninsured rate among non-elderly Hispanics in expansion states dropped by nearly 43 percent, compared to a 26 percent in non-expansion states.

    To read today’s issue brief, visit: https://aspe.hhs.gov/pdf-report/affordable-care-act-has-led-historic-widespread-increase-health-insurance-coverage

    To view charts from today’s brief, visit: https://aspe.hhs.gov/pdf-report/chartpack-affordable-care-act-has-led-historic-widespread-increase-health-insurance-coverage


    ooOoo


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    (BPRW) Nationwide Insurance CIAA Donations Top Nearly $900,000

    - Official Insurance Provider Delivers Continued Value to CIAA -


    (BLACK PR WIRE) – CHARLOTTE, N.C.--(BUSINESS WIRE)-- Nationwide Insurance, the official insurance provider of the Central Intercollegiate Athletic Association (CIAA), announced today a $120,000 donation to the CIAA college scholarship fund. Since 2008, Nationwide has contributed almost $900,000 to the CIAA scholarship fund that serves to benefit students at CIAA member schools.

    “Nationwide shares the CIAA’s vision to empower and inspire students to reach their fullest potential. Our donation to the CIAA scholarship fund validates just how committed Nationwide is to making a real difference in student’s lives,” said Martha Frye, senior regional vice president. “This partnership is what being On Your Side® is all about.”

    For more than eight years, Nationwide has been a strong supporter of education, hiring and scholarship for students at Historically Black Colleges and Universities (HBCUs) within the CIAA. Nationwide demonstrates its commitment to the CIAA through a year-round presence on the campuses of CIAA member schools as well as sponsorship of the CIAA basketball tournament, CIAA championship football game and all 16 CIAA conference championships.

    In addition to financial contributions, Nationwide hosts onsite career fairs, provides career counseling, offers leadership development opportunities and creates pathways to employment through a corporate internship program. The CIAA/Nationwide internship program brings students to work at various Nationwide regional offices and at its home office in Columbus, Ohio. The program helps students gain real work experience in preparation of their post-graduate career. “We are committed to supporting communities where our associates and members live and work. As part of our efforts, we’re on-site at this week’s events actively recruiting talent from the CIAA member schools,” said Frye. “After all, Nationwide believes in what the CIAA is all about – preparing students for tomorrow and helping them realize their dreams.”

    The 69th annual CIAA Men's and Women's Basketball Tournament takes place Feb. 24 – March 1, 2014 in Charlotte, N.C. The five-day tournament returns for its ninth year in the Queen City with great basketball as well as countless events and activities. More than 150,000 people are expected to attend and participate in any number of the wide-ranging events that include spirited shows, concerts, networking opportunities with business professionals, alumni reunions and a career expo as well as a post tournament celebration. Fans and teams come to the annual CIAA basketball championships for more than just the games, and Nationwide Insurance is proud to be there to enhance their experience.

    For more information about how to purchase tickets and a complete list of official events, fans can visit www.ciaatournament.org and click on the schedule of events tab.

    About Nationwide
    Nationwide Mutual Insurance Company, a Fortune 100 company based in Columbus, Ohio, is one of the largest and strongest diversified insurance and financial services organizations in the U.S. and is rated A+ by both A.M. Best and Standard & Poor’s. The company provides a full range of insurance and financial services, including auto insurance, homeowners, pet, motorcycle, boat, farm, commercial insurance, life insurance, annuities, mutual funds, public and private sector retirement plans, banking, mortgages, and specialty health services. For more information, visit www.nationwide.com.

    Nationwide, On Your Side, Join the Nation and the Nationwide frame mark are service marks of Nationwide Mutual Insurance Company.

    Source: Nationwide


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    The articles on this website are provided for information purposes only. BlackRefer.com does not accept any responsibility or liability for the use or misuse of the article content on this site or reliance by any person on the site's contents. Use at your own risk.

    No Implied Endorsement:
    BlackRefer.com does not endorse or recommend any article on this site or any product, service or information found within said articles. The views and opinions of the authors who have submitted articles to BlackRefer.com belong to them alone and do not necessarily reflect the views of BlackRefer.com.






BLACK / AFRICAN AMERICANS & INSURANCE
   

  1. African American Registry...
    The Atlanta Life Insurance Co. The largest Black-owned stockholder insurance company in America.

  2. All About Health Care...
    Shop for quality health insurance coverage including dental & vision benefits from top carriers. Plans are available to individuals, families, students, groups, businesses, associations & non-profits.

  3. AmeriPlanUSA...
    My website describes and suggests a way to save money or make money. AmeriplanUSA is the name of the company. With AmeriPlanUSA one can recieve health coverage nation wide, or choose a business opportunity for those interested in marketing this benefit plan.

  4. Atlanta Life Insurance Company...
    Profiles, products and services, career center, news, site map, more.

  5. AuburnMountain ...
    We provide education, licensing, career resources and practice building tools for aspiring and practicing Financial Services Professionals. We are dedicated in serving the aspiring Financial Services Professionals and practicing Financial Services Professionals who assist and counsel clients in growing, managing and protecting wealth.

  6. Auto Insurance for Less...
    Changing Auto Insurance Forever. I Will Cover Your Collision Deductible.... Never Pay A Lump Sum Collision Deductible Again! Ever! And We Mean EVER!

  7. Black Financial Group ...
    The Black Financial Group, located in Pittsburgh, Pa. and New York, NY is a unique, nationally recognized benefits firm with over 25 years experience providing services and information that respond to a consumer's specific needs.

  8. Black Inurance Companies...
    Listings of Black insurance companies across the country.

  9. Children's Health Insurance ...
    Conducting Children's Health Insurance Outreach in African American Communities.

  10. Health Insurance Coverage Quotes...
    Get an Insurance quote, fast, easy and free with our free service, simply enter your information once and you are instantly matched with the most competitive companies in the business. You'll receive up to five quotes so you can compare and save.

  11. Illinois Health Insurance Network...
    We are the premier choice for Illinois health insurance quotes and Illinois group health insurance as we only service residents of IL.Companies we represent include Humana, Blue Cross and Blue Shield of Illinois, Aetna, Humana, UNICARE, Golden Rule, Assurant, CHIP, and All Kids Program.

  12. John Hawkins PHIAS Independent Insurance Agent ...
    I am a Independent Insurance agent. Life,Accident, Health, Critical Care, Auto, Home and Business Insurance.

  13. Mainstream Services Inc....
    Mainstream Services Inc. is a premier medical claims processing company. We meet the needs of any medical practice or specialty. We offer clients reliable, accurate, quality electronic medical billing services.

  14. North Carolina Mutual Life Insurance Company...
    NCM is committed to building upon the dreams of its African American founders, leading provider of quality insurance services offering financial security for families.

  15. Rill Unique Enterprises...
    Rill Unique Enterprises in a small private owned company that provides insurance billing services to any type of medical professional (i.e. physicans, family practice, chiropractor, therapists, OBGYN, psychiatrists, etc.). Billing is inclusive of Medicare, Medicaid and any other type of private insurance carrier.

  16. RJames Associates, Inc. Benefit and Isurance Brokers ...
    Helping you find insurance solutions tailored to your individual or company needs.Our insurance line up includes, Group Benefits, Commercial Insurance, Life Insurance, Personal Insurance and Medicare Plans.

  17. State Farm Insurance ...
    State Farm Insurance will sponsor the African-American Marketing Summit Feb. 20 - 21 in Jacksonville, Fla., for a group of its agents who are actively marketing to African-American consumers.

  18. The Insurance Exchange LTD...
    The Insurance Exchange was created to provide insurance services and products that are needed by it's clients and to create career opportunities for minorities.
















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