Fewer Americans Lack Health Insurance, but Issues Remain

Fewer Americans Lack Health Insurance, but Issues Remain
Andrew Harrer/Bloomberg via Getty Images
By Susan Heavey

WASHINGTON -- The percentage of adults in the United States who lack health insurance has fallen to its lowest rate since 2008, down to about 13 percent in April from a peak of 18 percent last year, according to a Gallup poll released Monday.

The decline coincided with the October 2013 launch of the health insurance exchanges that allowed people to buy coverage on their own under the Affordable Care Act and accelerated as the deadline to buy coverage neared, the nonpartisan research organization said.

Gallup said enrollment rates could still be affected by several lingering issues such as states' handling of Medicaid coverage under the law as well as the potential for people to lose coverage by not paying their insurance premiums.

The Gallup findings came ahead of a House of Representatives hearing scheduled for Wednesday to address enrollment data.

Under the controversial 2010 law passed under President Barack Obama, Americans must have health care coverage or face fines. Many people have insurance from their employer or are covered by a government-based plan such as Medicare or Medicaid, but others must purchase their own.

%VIRTUAL-article-sponsoredlinks%The initial deadline to buy coverage was last month, and the Obama administration reported that more than 8 million Americans signed up for a private plan in state and federal insurance marketplaces during the law's first enrollment period. The administration had expected 7 million sign-ups.

Gallup's findings, based on interviews with more than 14,700 Americans throughout April, found the uninsured number fell most sharply among blacks and those with lower incomes.

Among blacks, about 14 percent reported being uninsured last month compared to nearly 21 percent in late 2013. The rate among those with a household income of less than $36,000 a year reported a 5.5 percentage point drop, from nearly 31 percent to 25 percent.

Hispanics, who as a group had the highest rate of those lacking coverage, also saw a significant decline in uninsured, from nearly 39 percent last year to 33 percent in April, according to the poll.

The poll had a margin of error of 1 percentage point.

While the overall numbers reflect "the surge in late health insurance sign-ups," many states' decision to expand coverage under the Medicaid insurance program for the poor also are likely a factor, Gallup said.

Remaining Issues

There also are several remaining issues that could impact the uninsured rate in the months ahead, including the potential for some people who have signed up for plans neglecting to pay their insurance premiums and losing coverage.

"It is also possible that the uninsured rate could hold steady until early 2015, when those currently without insurance sign up for policies going into effect at the beginning of next year," Gallup said.

Analysts for the Capital Alpha research firm said while the Obama administration has cited health insurance companies as saying as many as 85 to 90 percent of new enrollees have paid their premiums, the Republican-led House Energy and Commerce Committee last week said just 67 percent have paid up.

"Both reports are probably flawed," Capital Alpha's Kim Monk and Rob Smith wrote.

Separate findings released on Monday also found that the recent enrollment increase has not swayed people's opinion about the law, which is unpopular among Republicans and has become a campaign issue ahead of the November midterm elections.

The Pew Research Center poll found that 55 percent of those surveyed said they still disapprove of the Affordable Care Act, while 41 percent said they support it. At the same time, nearly half of those polled said they think the law's provisions are likely to remain in place.

"The share disapproving of the law ... is as high as it ever has been in the four-year history of the law," according to Pew, which conducted the poll for USA Today.

Obamacare Explained Four Ways
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Fewer Americans Lack Health Insurance, but Issues Remain
Unfortunately, for all its completeness, the Reddit explanation isn't the most interesting read. If you want something a little more diverting, you may consider taking a peek at Obamacare: Explain It Like I'm Five. Basically, this cartoon explains Obamacare like a playground argument, a he said/she said battle between insurers and average people, with Obama running interference in the middle. As an added plus, the website also lists 24 bullet points covering most of the things that Obamacare will change.
If you want something a bit more scholarly, Obamacare Exchanges Open: The New Law Explained in Seven Easy Steps uses President Obama's own words to explain several main points of the plan, answering questions about how it will affect health care costs, how it will impact small businesses, and the positive effect that it may have on family finances. And, for those who like bullet points, the White House has put together a list of their own.
Speeches and bullet points and detailed explanations are all well and good, but if you're one of those people who likes to get their weighty explanations with a spoonful of sugar, The Henry J. Kaiser Family Foundation's new video, "The Youtoons Get Ready for Obamacare" does a great job of explaining most of the ins and outs of the new law. It's hard to find a better ground-level understanding of how the new law will affect your life.
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