Good news: The ACA is working as intended

It has been said many times before, but bears repeating—the Affordable Care Act (ACA) is doing what it was designed to do. The ACA has succeeded in providing quality healthcare coverage and reducing the number of uninsured, and with its consumer protections, fewer individuals are experiencing trouble paying medical bills. According to a recent Gallup Poll, only Texas maintains an uninsured rate greater than 20% of its residents, no state has reported a statistically significant increase since 2013, and seven states through the first half of 2015 have uninsured rates that are at or below 5%.

Those who oppose the law continue the drum beat that the law is failing, especially as another presidential election heats up, but the research tells a different story.

The positive national findings are confirmed in Michigan according to the Center for Healthcare Research and Transformation’s (CHRT) 2014 Cover Michigan Survey. The report stated, “Overall, the number of residents reporting they were uninsured, struggled to pay medical bills and/or delayed seeking needed medical care has dropped significantly compared to CHRT survey findings before the launch of the ACA coverage expansions.” The survey found the percent of adult Michiganders without healthcare coverage declined from 14% in 2012 to 7% in 2014 and that the percent of residents who had difficulty paying medical bills declined from 27% in 2012 to 20% in 2014.

In addition, the ACA has not resulted in the dramatic job losses and reductions in work hours that opponents predicted. A recent analysis by ADP Research Institute, the research arm of a payroll-management firm, found that on an aggregate basis, jobs have not been lost or hours reduced because of requirements of the ACA. An improving economy is seen as having the greatest impact, with full-time jobs increasing by 9% between 2010 and 2015, and part-time jobs decreasing slightly.

There is also good news on health insurance rate increases for plans being sold on the federal Health Insurance Marketplace in 2016. While many states are reporting average increases of more than 10%, for Michigan, the average insurance rate increase approved by the Department of Insurance and Financial Services is only about 6.5%. The approved increases do vary considerably by plan, ranging from an increase of 35.8% to a decrease of 12.6%. The Michigan increase is described as “modest.”

The ACA is not perfect and amending the law could improve its benefits, but this data shows it is achieving its goal. Thanks to the ACA, great gains have been made in health insurance coverage and affordability for moderate and low-income residents without the dire negative impacts and consequences predicted by the law’s opponents.

  – Jan Hudson

Healthy Michigan plan surpasses all expectations by first anniversary

The Healthy Michigan Plan, Michigan’s Medicaid expansion program, celebrates its first anniversary today. What an amazing year it has been for the program – with enrollment currently just over 600,000! The governor’s budget for 2015 estimated enrollment at 400,000 and 450,000 for budget year 2016. The budget released in February 2015 revised those estimates upward to 540,000 for 2015 and 580,000 for 2016. Those forecasts already have been surpassed – and it’s only April. (more…)

Supreme Court: Another chance to affirm ACA as the law of the land — the whole land

There is a lot at stake for about 300,000 Michiganians as the U.S. Supreme Court begins consideration of the King v. Burwell case today.

This case will  determine whether the Affordable Care Act permits the federal government to provide premium tax credits to qualifying individuals anywhere in the U.S. or only in states that established their own Health Insurance Marketplaces.

An adverse ruling in this case could eliminate these tax credits established in the law to make coverage more affordable. It is hard to imagine that Congress would have intended to pick winners and losers for healthcare coverage in such an arbitrary and surreptitious manner. (more…)

400,000 reasons to give thanks

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As we head into the month of November, there are more than 400,000 reasons to give thanks.

That’s how many previously uninsured or underinsured people in Michigan are now able to access healthcare thanks to the Healthy Michigan Plan.

The plan passed the Michigan Legislature last year with bipartisan support as part of Medicaid expansion under the Affordable Care Act. About half the states have taken this step to improve the health of their citizens.

The League was part of a strong, diverse coalition that supported the expansion. Those efforts are now bearing an amazing amount of fruit. (more…)

Healthy Michigan plan enrollment tops 275,000

Enrollment in the Healthy Michigan Plan as of June 2 totals 276,622. This is truly remarkable considering the program was implemented just over two months ago on April 1. Genesee County, at 98.5%, has enrolled the highest percentage of those potentially eligible. What a great achievement.

The Healthy Michigan Plan is Michigan’s unique Medicaid expansion plan. It provides comprehensive healthcare coverage to Michigan’s low-income uninsured residents. To be eligible for the program, an individual must be between the ages of 19 and 64, not currently eligible for Medicaid or Medicare, a citizen or lawfully admitted to the U.S., and have income less than 133% of the federal poverty level (up to $15,521 for an individual or $31,721 for a family of four).

Application for the program can be made by phone (1-855-789-5610), online at www.michigan.gov/mibridges, or in person at a local Department of Human Services office. Applications made through the on-line system can have eligibility determined in a matter of minutes and sometimes even seconds. (more…)

Healthy Michigan Plan gets healthy start!

The Healthy Michigan Plan, Michigan’s Medicaid expansion, opened for enrollment on April 1, and within the first 72 hours, 36,329 applications were submitted through the MIBridges website and 20,995 were approved for coverage. By Tuesday, the number of enrolled shot up to 59,280 — an amazing number for a two-week period.  That means that more than 109,000 people are now covered, including those who were transferred over to the plan from the Adult Benefits Waiver program.

The program is off to a great start — great news for Michigan’s low-income uninsured. The online enrollment system is working well with the majority of applications being processed in a matter of minutes or even seconds. (more…)

Attorney general needs to move on

Attorney General Bill Schuette continues his fight to harm Michiganians by pursuing frivolous lawsuits against the Affordable Care Act.

First he fought to have the law declared unconstitutional and lost — the U.S. Supreme Court ruled the ACA does not violate the Constitution. Now he is fighting to end the premium tax credits for more than 144,000 Michiganians who have so far qualified for them.

Nearly 87% of those who have enrolled in a health plan in Michigan are eligible for premium tax credits to help them pay their insurance premiums. Why would he want to harm more than 144,000 people in his state — his neighbors, his friends, his constituents? (more…)

Healthy Michigan Plan enrollment opens April 1

The Department of Community Health has announced open enrollment will begin for the Healthy Michigan Plan on April 1. This long-awaited announcement is great news for Michigan’s low-income uninsured residents.

Starting next week, adults (ages 19-64) in families with incomes below 133% of the federal poverty level (up to $15,521 for an individual or $31,721 for a family of four) who are not currently eligible for Medicaid or Medicare, and not pregnant, will be able to apply for the comprehensive coverage offered by the Healthy Michigan Plan. Citizenship, or lawful admittance to the U.S., is also required. (more…)

MI exceeds healthcare enrollment target

Enrollment in healthcare plans under the Affordable Care Act is picking up steam, particularly in Michigan.

Nationwide, more than 4 million people have enrolled in healthcare coverage through a state-operated exchange or the federal Marketplace through Feb. 26. And in Michigan, more than 112,000 individuals have enrolled in a plan through Feb. 1, placing Michigan 12% above its federally set target for the period and one of only a handful of states to exceed its enrollment target. (more…)

Exhausted but inspired

I recently returned from Health Action 2014, Families USA’s annual conference, in my usual condition – exhausted yet inspired! It was a good year for Michigan: Dizzy Warren, of Michigan Consumers for Healthcare, was awarded one of the three Advocate of the Year awards, and Michigan blogger Amy Lynn Smith won the painting created onsite by Regina Holliday!

The conference opened with a cancer survivor sharing her story of having her COBRA coverage end on Dec. 31, 2013 during her cancer treatment. Thanks to the Affordable Care Act, she was able to sign up for coverage starting Jan. 1 and continue her treatments uninterrupted. (more…)

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