presented by the kaiser family foundation
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Webinar for Journalists: Results from Survey of People Who Bought Their Own Health Insurance Under the ACA. Presented by the Kaiser Family Foundation. Thursday, June 19, 2014 11:00 a.m. ET to 12:00 p.m. ET . Today’s Speakers from the Kaiser Family Foundation. Liz Hamel - PowerPoint PPT PresentationTRANSCRIPT
Webinar for Journalists: Results from Survey of People Who Bought Their Own Health Insurance Under the ACA
Presented by the Kaiser Family Foundation
Thursday, June 19, 201411:00 a.m. ET to 12:00 p.m. ET
Drew Altman
President and CEO
Today’s Speakers from the Kaiser Family Foundation
Larry Levitt
Senior Vice President
Co-Executive Director of the Program for the Study of Health Reform and Private Insurance
Liz Hamel
Director, Public Opinion and Survey Research
Two-Thirds Of Adults In Non-Group Market Have ACA-Compliant Plans
SOURCE: Kaiser Family Foundation Survey of Non-Group Insurance Enrollees (conducted April 3 – May 11, 2014)
NON-GROUP MARKET = All those ages 18-64 whose primary source of health insurance is a plan they purchased themselves, either directly from an insurer or through a Marketplace created by the ACA.
ACA-com-pliant plans (took effect on or after Jan. 1)
68%
Unknown effective
date1%
Non-com-pliant plans (took effect before Jan.
1)31%
Half Of Adults In Non-Group Market Have Plans Purchased From A Health Insurance Exchange
SOURCE: Kaiser Family Foundation Survey of Non-Group Insurance Enrollees (conducted April 3 – May 11, 2014)
Plans pur-chased from an
Exchange48%
ACA-compliant plans purchased
outside Ex-change
16%
Compliant plans purchased from
broker, un-known if Ex-
change3%
Unknown ef -fective date
1%
Non-compliant plans31%
Nearly Six In Ten In Exchange Plans Were Previously Uninsured
SOURCE: Kaiser Family Foundation Survey of Non-Group Insurance Enrollees (conducted April 3 – May 11, 2014)
AMONG NON-GROUP ENROLLEES WITH PLANS PURCHASED THROUGH A HEALTH INSURANCE EXCHANGE: Percent who say before purchasing their current plan, they were…
Uninsured57%
Other/Don't know/Re-
fused4%
Covered by an em-ployer/COBRA
14%
Covered by Medicaid/
other public9%
Covered by a different non-group
plan16%
Seven In Ten Previously Uninsured In Marketplace Plans Say They Got Insurance Because Of The ACA
Too expensive
Job-related reasons (unemployed, employer doesn't offer, etc.)
Didn't think you needed coverage
Didn't know how to get it
Couldn't get coverage due to poor health/illness/age
51%
21%
10%
5%
4%
What is the main reason you were uninsured before you began purchasing insurance on your own? (open-end)
Be-cause of
the law72%
Don't
know/ Re-fused2%
Would have gotten it anyway
26%
AMONG PREVIOUSLY UNINSURED NON-GROUP ENROLLEES WITH EXCHANGE PLANS:
Did you decide to buy your own health insurance because of the health care law, or do you think you would have gotten insurance anyway, even without the law?
SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 – May 11, 2014)
Enrollees In Compliant Plans Report Being Somewhat Less Healthy Than Those In Non-Compliant Plans
ACA-compliant plans
Non-compliant plans
22%
28%
29%
37%
31%
28%
13%
6%
4%
Excellent Very good Good Only fair Poor
NOTE: Don’t know/Refused answers not shown.SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 – May 11, 2014)
AMONG NON-GROUP ENROLLEES: In general, would you say your health is…
<1%
Enrollees In Compliant Plans Report Being Somewhat Less Healthy Than Those In Non-Compliant Plans
ACA-compliant plans
Non-compliant plans
22%
28%
29%
37%
31%
28%
13%
6%
4%
Excellent Very good Good Only fair Poor
NOTE: Don’t know/Refused answers not shown.SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 – May 11, 2014)
AMONG NON-GROUP ENROLLEES: In general, would you say your health is…
<1%
57%
48%
47%
40%
32%
29%
27%
18%
19%
18%
34%
21%
41%
33%
12%
34%
45%
50%
54%
60%
Negatively Affected Benefited
Who Says They Benefited Or Were Negatively Affected By ACA?
Exchange enrollees who report getting financial assistance
AMONG NON-GROUP ENROLLEES: Percent who say they have benefited or been negatively affected by the ACA…
*Plan switchers are those who switched from a non-compliant to a compliant non-group plan.NOTE: The share who say they neither benefited nor were negatively affected is not shown.SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 – May 11, 2014)
Total Exchange enrollees
Previously uninsured, now in ACA-compliant plans
Plan switchers*
Had coverage cancelled past 12 months
Total with ACA-compliant plans
Previously ESI/COBRA, now in compliant plans
TOTAL NON-GROUP ENROLLEES
Non-compliant plans
Non-Exchange, ACA-compliant plans
57%
48%
47%
40%
32%
29%
27%
18%
19%
18%
34%
21%
41%
33%
12%
34%
45%
50%
54%
60%
Negatively Affected Benefited
Who Says They Benefited Or Were Negatively Affected By ACA?
Exchange enrollees who report getting financial assistance
AMONG NON-GROUP ENROLLEES: Percent who say they have benefited or been negatively affected by the ACA…
*Plan switchers are those who switched from a non-compliant to a compliant non-group plan.NOTE: The share who say they neither benefited nor were negatively affected is not shown.SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 – May 11, 2014)
Total Exchange enrollees
Previously uninsured, now in ACA-compliant plans
Plan switchers*
Had coverage cancelled past 12 months
Total with ACA-compliant plans
Previously ESI/COBRA, now in compliant plans
TOTAL NON-GROUP ENROLLEES
Non-compliant plans
Non-Exchange, ACA-compliant plans
57%
48%
47%
40%
32%
29%
27%
18%
19%
18%
34%
21%
41%
33%
12%
34%
45%
50%
54%
60%
Negatively Affected Benefited
Who Says They Benefited Or Were Negatively Affected By ACA?
Exchange enrollees who report getting financial assistance
AMONG NON-GROUP ENROLLEES: Percent who say they have benefited or been negatively affected by the ACA…
*Plan switchers are those who switched from a non-compliant to a compliant non-group plan.NOTE: The share who say they neither benefited nor were negatively affected is not shown.SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 – May 11, 2014)
Total Exchange enrollees
Previously uninsured, now in ACA-compliant plans
Plan switchers*
Had coverage cancelled past 12 months
Total with ACA-compliant plans
Previously ESI/COBRA, now in compliant plans
TOTAL NON-GROUP ENROLLEES
Non-compliant plans
Non-Exchange, ACA-compliant plans
57%
48%
47%
40%
32%
29%
27%
18%
19%
18%
34%
21%
41%
33%
12%
34%
45%
50%
54%
60%
Negatively Affected Benefited
Who Says They Benefited Or Were Negatively Affected By ACA?
Exchange enrollees who report getting financial assistance
AMONG NON-GROUP ENROLLEES: Percent who say they have benefited or been negatively affected by the ACA…
*Plan switchers are those who switched from a non-compliant to a compliant non-group plan.NOTE: The share who say they neither benefited nor were negatively affected is not shown.SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 – May 11, 2014)
Total Exchange enrollees
Previously uninsured, now in ACA-compliant plans
Plan switchers*
Had coverage cancelled past 12 months
Total with ACA-compliant plans
Previously ESI/COBRA, now in compliant plans
TOTAL NON-GROUP ENROLLEES
Non-compliant plans
Non-Exchange, ACA-compliant plans
Similar Shares Of Plan Switchers Report Increase and Decrease In Premiums
Higher39%
About the Same15%
Lower46%
AMONG THOSE WHO SWITCHED FROM NON-COMPLIANT TO COMPLIANT NON-GROUP PLANS:
Is the monthly premium amount you pay (after tax credit) for your CURRENT plan higher or lower than what you paid for your previous plan, or is it about the same?
SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 – May 11, 2014)
Plan Switchers Report Similar Characteristics In New vs. Old Plans
Better31%
Don't know/ Re-fused2%
About the same43%
Worse25%
Higher31%
Don't know/ Re-fused5%
About the same33%
Lower31%
More29%
Don't know/ Re-fused7%
About the same level38%
Less
26%
Is the amount of your annual deductible under your current plan higher or lower than the deductible under your previous plan, or is it about the same?
Do you think the range of health care services covered under your current insurance plan are better, worse, or about the same as your previous plan?
Compared with your previous health plan, do you think your current plan offers you more financial protection, less financial protection or about the same level of financial protection if you need health care?
AMONG THOSE WHO SWITCHED FROM NON-COMPLIANT TO COMPLIANT NON-GROUP PLANS:
SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 – May 11, 2014)
Evidence Of A Move Toward Narrower Networks
More11%
About the same55%
Don't know/ Re-fused10%
Less
24%
More10%
About the same55%
Don't know/ Re-fused2%
Less
32%
More13%
About the same58%
Don't know/ Re-fused5%
Less
23%
Do you think your current plan offers you more choice or less choice of primary care doctors than your previous plan, or is it about the same?
Do you think your current plan offers you more choice or less choice of specialists, such as cardiologists and orthopedists, than your previous plan, or is it about the same?
Do you think your current plan offers you more choice or less choice of hospitals than your previous plan, or is it about the same?
AMONG THOSE WHO SWITCHED FROM NON-COMPLIANT TO COMPLIANT NON-GROUP PLANS:
SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 – May 11, 2014)
Half Report Getting Help With Enrollment
Among those with Exchange plans
Among those with ACA-compliant plans purchased outside Exchange
24%
4%
8%
24%
5%
6%
7%
16%
5%
3%
51%
48%
Exchange representative Broker/agent Community worker Friend/family memberSomeone else Completed on own
AMONG NON-GROUP ENROLLEES WITH ACA-COMPLIANT PLANS: Did someone help you enroll in health insurance or did you complete the enrollment process on your own? (If got help: Who was that person…?)
NOTE: Don’t know/Refused answers not shown.SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 – May 11, 2014)
Most Exchange Enrollees Say Comparing Plans Was Easy
Compare provider networks
Set up an account with the marketplace
Compare copays and deductibles
Figure out if your income qualifies you for financial assistance
Compare monthly premiums
58%
59%
64%
64%
69%
34%
33%
30%
29%
26%
Very or somewhat easy Very or somewhat difficult
AMONG NON-GROUP ENROLLEES WITH PLANS PURCHASED THROUGH A HEALTH INSURANCE EXCHANGE:Thinking about when you signed up for your current health plan, how easy or difficult was it for you to…
NOTE: Don’t know/Refused and Not Applicable answers not shown.SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 – May 11, 2014)
Very easy24%
Somewhat easy30%
Don't Know/ Refused3%
Some-what
difficult29%
Very difficult
14%
Most Say Plan Is A Good Value, But Many Find It Difficult To Afford PremiumsAMONG NON-GROUP ENROLLEES WITH ACA-COMPLIANT PLANS:
How easy or difficult is it for you to afford to pay the cost of your health insurance each month?
SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 – May 11, 2014)
Excel-lent21%
Good34%
Don't Know/
Re-fused
6%
Only fair21%
Poor18%
Would you say your health insurance is an excellent value, good value, only a fair value or a
poor value for what you pay for it?
Report: kff.org/private-insurance/report/survey-of-non-group-health-insurance-enrollees
NEW: “Survey of Non-Group Health Insurance Enrollees”
Press Release: kff.org/private-insurance/press-release/new-kaiser-survey-of-people-with-non-group-insurance-finds-nearly-six-in-10-people-enrolled-in-marketplace-plans-were-previously-uninsured/
Rakesh Singh, Vice President of CommunicationsKaiser Family Foundation | Menlo Park, Calif.Email: [email protected]
Craig Palosky, Director of CommunicationsKaiser Family Foundation| Washington, D.C.Email: [email protected]
Contact Information
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