January 3, 2014
The estimated cardinal of Americans who relied on non-group bloom allowance advantage afore the Affordable Care Act took effect.
Most Americans with bloom allowance accept some anatomy of accumulation advantage — through employer-sponsored plans, government programs such as Medicaid or Medicare, aggressive programs such as TRICARE, or added accumulation plans. But now that the Affordable Care Act has taken effect, abounding added Americans are entering the non-group allowance market. Which raises the question: Just how big was the pre-ACA non-group market?
That turns out to be a catchy catechism to answer. In allotment that’s because there’s so abundant added about-face amid bodies with non-group behavior than those with accumulation coverage; also, abounding bodies may be covered by both accumulation and non-group insurance, either accompanying or at altered times in any accustomed year. The Kaiser Family Foundation, which has agilely tracked all address of abstracts accompanying to the ACA rollout, acclimated three altered approaches to appraisal how abounding Americans relied on non-group allowance (to the exclusion of added sources of coverage) afore the law took effect.
Extrapolating from insurance-company abstracts yielded an boilerplate account non-group acceptance of 10.9 actor in 2011 and 2012. The Survey of Income and Program Participation begin that in the abatement of 2011, 11.3 actor bodies had non-group advantage only. And based on the ASEC supplement to the Current Population Survey, Kaiser estimated that in 2011 about 11 actor non-elderly Americans had allowance bought anon from an insurer as their alone antecedent of coverage.
Kaiser addendum that historically, the non-group bazaar has acted as a supplement to employer-based allowance or government coverage, and that “the cardinal of bodies who accept and accumulate non-group advantage as their primary antecedent of aegis is appreciably abate than the cardinal of bodies in the bazaar at any accustomed point in time.” But beneath the ACA, that activating is acceptable to change: The Congressional Budget Office estimates that by 2016, 18 actor added Americans will accept non-group coverage.
Category: Daily Number
Topics: Bloom Care
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