Question

to be constitution uninsured rate/numbers in 2010, Number and rate of insured The uninsured: What was happening to the uninsured rate leading up to the ACA? What are the two health insurance coverage provisions of the ACA that came into effect Teet January 1, 2017 Uninsured rate of children compared to adults: factors that affect this rate difference According to Key Facts about the Uninsured Population: uninsured rate/numbers in 2010 2018 How has the number of uninsured changed under the ACA? Why do people remain uninsured? Who are the remaining uninsured? How does the lack of insurance affect access to health care? What impact does getting health insurance have on the adverse effects of being uninsured? What are the financial implications of lack of coverage? Y 2018 uninsured rate in Georgia (see slides for Census Bureau statistics); ACA provision for age of dependents on employer sponsored insurance age and when it came into effect Define the "coverage gap" in both general terms and with FPL for both parents and childless adults. Adults in the coverage gap as of January 2020: Number and % in coverage gap: region where they are concentrated: number and % in Georgia 7 Page 2 of 3

Answer 1

Affordable Care Act

Affordable Care Act established a series of uniform bills which also affect insurance policy.

All individual and group health plans must provide coverage to any applicant, regardless of health status, gender, or any other factors. Prior to the ACA, insurers in the individual market were allowed to deny people coverage based on their perceived health risk. As a result, those without access to employer - sponsored insurance who had acute or chronic health conditions, such as cancer or diabetes, were often unable to purchase coverage. Even women, especially those of childbearing age, could be denied coverage because of their expected use of higher health care services. The ACA required guaranteed issue and renewability of coverage and prohibited insurers from imposing pre-existing condition exclusions on coverage. These provisions went into effect on 1 January 2014 . Prior to the implimentation of the guaranteed issue requirements, the ACA created the temporary pre-existing condition insurance plan for those who had been uninsured for at least six months.

On January 1, 2014, new premium rating rules went into effect for plans in the individual and small group market.