Explains why medical debt is different from other kinds of debt, who medical debt affects, and the consequences of medical debt.
Examines four kinds of protections states have put in place that are designed to protect low-income, uninsured, or underinsured Americans from medical debt
We know how the House Republican bill could affect people who get insurance through the Affordable Care Act (ACA) marketplace and Medicaid. But what has been overlooked is how the bill, known as the American Health Care Act (AHCA), could affect the coverage people get through their jobs. In other words: The Republican bill could make everybody’s coverage worse.
Learn about the financial assistance the Affordable Care Act provides to protect low-income consumers from spending too much on copayments, deductibles, and other health care expenses.
Known as “cost-sharing reductions,” this assistance is essential to whether people can afford to get health care.
Last month, Kentucky asked the federal government for approval to make significant and troubling changes to its highly successful Medicaid expansion program. To justify its request, the state asserted that these changes would help “break the cycle of poverty.” However, the results would likely be the opposite.
The fact is, by providing health insurance and helping people in the program avoid medical debt, Medicaid coverage can actually improve the financial health of its enrollees. Two recent reports, one in April and one in June, offer new evidence supporting that link.
A work requirement in Medicaid is not only a bad idea, it’s unnecessary and counterproductive.
The American Health Care Act would strip affordable coverage from working people, leaving millions uninsured and millions more facing drastically higher premiums and out-of-pocket costs. It would return us to a time when only the wealthy were able to afford comprehensive coverage.
We recently reported our findings on the potential problems posed by health insurance plans with high deductibles. Proponents of high-deductible plans assert that making consumers spend more to cover their medical care will encourage them to seek high-value care. But that isn’t possible for many consumers because they don’t have the tools or the basic understanding of how their health insurance works—both of which are necessary to make informed decisions about what care to get at what price.
Basic Health Programs are a promising option for states to provide affordable health coverage to low-income residents. This month, Minnesota will be the first state to submit its Basic Health blueprint to the federal government for approval. This week we launched a blog series to help states consider whether they should also pursue Basic Health. The first blog explained many of the reasons to establish Basic Health Programs. Today’s blog describes the major features of Minnesota’s proposed Basic Health program. The third and final blog will offer advocacy tips for promoting BHP or similar programs in your state.
It only took one night for my financial standing to turn upside down. As a recent college graduate and soon-to-be graduate student, money is scarce and I worry about every dollar I spend. During college, I was fortunate to have two full-ride scholarships and my father's health insurance. After graduation, I moved to Washington, D.C., to pursue my passion and fight for health equity in the United States. I knew that I would be living paycheck to paycheck, but I had saved a couple thousand dollars from a previous job as a safety net and to relocate for graduate school in the fall.