Panel:
Impacts of Health Policy Design on Insurance Coverage and Utilization
(Health Policy)
*Names in bold indicate Presenter
Purpose/Goal: This panel explores the impacts of different provisions of the ACA on health insurance coverage and preventive care use. We explore insurance coverage outcomes for different groups of individuals who face a complex set of decisions based on their income, employment and coverage stability in the context of new reforms and options implemented through the ACA.
Findings: Using a variety of methodological approaches, we find that individuals who differently value the benefits provided by the ACA make different decisions about insurance coverage. Individuals with larger potential gains from utilizing preventive care (e.g., smokers) are more likely to change health insurance, thus decreasing health insurers’ incentive to cover preventive care. Compared with other lower income adults, single childless adults have significant and substantial increase in insurance rate after the establishment of the Marketplace. Finally, uninsurance rates for part-time workers declined substantially after the implementation of the main ACA provisions, compared to full-time workers. These workers benefited from both the Medicaid expansion and the new options available through the Marketplace.
Discussion: Our findings provide evidence for action by helping policy makers better understand the complexity of incentives, access and health insurance take-up among policy-relevant groups of Americans. Understanding the health insurance needs of Americans can potentially improve policy design. Given the uncertain future of the ACA, our findings provide critical illustrations of the potential consequences of future government health reforms.