16.4 million uninsured gained health insurance under the Affordable Care Act (ObamaCare) for a 35% reduction in uninsured as of March 2015. The information below is based on a report done by aspe.hhs.gov that includes Marketplace, Medicaid, and CHIP enrollment data paired with survey data (as explained below).
Overview of 2015 Enrollment Number Data
- The report estimates 16.4 million uninsured gained coverage under the ACA since 2010.
- 11.7 are currently enrolled in state and federal Marketplaces. Some percentage would be expected to not continue coverage for the full calendar year, while many more will enroll in special enrollment.
- 5.7 million young adults (aged 19-25) stayed on a parent’s plan until age 26. That is 2.3 million who stayed on their parents plan from 2010 to 2013 with an estimated 3.4 million gaining coverage from 2013 to 2015.
- 14.1 million adults gained health insurance since the beginning of open enrollment in October, 2013 through March 4, 2015. Adding in the 2.3 million from 2010 to 2013 we get 16.4 million.
- There were 10.8 million Medicaid and CHIP enrollments since October 2013. The uninsured rate dropped more in states that expanding Medicaid.
- Generally adults with incomes above 400% of the federal poverty level saw little to no change in uninsured rate (as it was already at about 98%).
- About 4.5 million lost their plan in 2013, so some amount of Marketplace enrollments were this group.
- Millions more enrolled in individual plans due to the individual mandate and through plans offered by employers due to the employer mandate.
- The current uninsured rate is a little over 12%, although the study below cites 13.2%. Although an estimate based on survey data, this percentage does account for everything from Medicaid to plan drops.
- Before the ACA around 47 million lacked health coverage.
Overview of 2015 ObamaCare Enrollment Numbers From the Report
Current estimates show the total of newly insured to be 16.4 million bringing the uninsured rate down from a high of 20.3% to 13.2% at the start of the 1st quarter of 2015. This doesn’t take into account those who will enroll in special enrollment or in the “extra enrollment period” from March 15 – April 30.
Please be aware, while the Marketplace and Medicaid numbers are fairly accurate, uninsured percentages and other enrollments are estimates based off of available data and surveys.
The 20.3% uninsured rate was a recent high and was partially affected by people losing their plans. A more accurate uninsured rate pre-ACA was 15%. Current 1st quarter projections are also a whole percentage point lower than quoted in the HHS report. Gallup reports the uninsured rate at 12.3% currently. It’s important to understand that the uninsured rates are based on survey data and are estimates, while enrollment numbers for the Marketplace, Medicaid, and CHIP are based on HHS and CMS data and are more exact. Still, regardless of how you look at the data it shows the uninsured rate is going down and it’s dropping faster in states that embraced healthcare reform by expanding Medicaid.
A Breakdown of the HHS Report From March 16 2015 on Current ObamaCare Enrollment Numbers
14.1 million adults gained health insurance since the beginning of open enrollment in October, 2013 through March 4, 2015. This includes 11.7 marketplace enrollments, 2.3 million who stayed on their parents plan from 2010 to October 2013, and 3.4 million estimated to have stayed on their parents plan from October 2013 until March 2015.
- The above numbers don’t include Medicaid and CHIP enrollments which increased by over 10 million due to Medicaid expansion, sign ups due to employer mandate, and those who enrolled outside of the Marketplace.
- Those numbers don’t specifically include those who lost their plans, or those who transitioned from a non-marketplace plan to a Marketplace plan.
- According to Gallup, since October 2013 the uninsured rate dropped from 20.3 percent to 13.2 percent – a 35 percent (or 7.1 percentage point) reduction in the uninsured rate.
- While the 14.1 million number only refers to the Marketplace and young adult sign ups, the Gallup data takes into account all enrollments and those who lost their plans.
Additional Detail on Coverage Gains Since the Start of the First Open Enrollment Period in Oct. 2013: Uninsured Rates by Race & Ethnicity
The uninsured rate declined across all race/ethnicity categories since the baseline period.
- There was a greater decline among African Americans and Latinos than among Whites.
- Among Whites, the uninsured rate declined by 5.3 percentage points against a baseline uninsured rate of 14.3 percent, resulting in 6.6 million adults gaining coverage.
- Among African Americans, the uninsured rate declined by 9.2 percentage points against a baseline uninsured rate of 22.4 percent, resulting in 2.3 million adults gaining coverage.
- Among Latinos, the uninsured rate dropped by 12.3 percentage points against a baseline uninsured rate of 41.8 percent, resulting in 4.2 million adults gaining coverage.
Additional Detail on Coverage Gains Since the Start of the First Open Enrollment Period in Oct. 2013: Uninsured Rates by State Medicaid Expansion Status & Household Income
Health insurance coverage gains were especially strong in Medicaid expansion states and were concentrated among low and middle income population groups in all states. This was particularly true in expansion states where families with incomes of 138 percent of poverty or less had the lowest rates of health insurance coverage prior to the coverage expansion (55 percent were uninsured) and the largest gain in coverage after expansion — a 13 percentage point increase, nearly twice the percentage point increase that occurred in non-expansion states (7 percentage points). There was little or no change in coverage among people with incomes above 400% of FPL, with more than 98% continuing to have insurance coverage in both expansion and non-expansion states.
- Non-expansion states had an average baseline uninsured rate of 23.4 percent with a drop of 6.9 percentage points. Families with incomes between 139-400 percent of FPL had the largest drop at 10.1 percentage points.
- Expansion states had an average baseline uninsured rate of 18.2 percent with a drop of 7.4 percentage points. Families with incomes at 138 percent of poverty or less had the largest drop at 13 percentage points.
Young Adult Coverage
Young Adults: Coverage gains for young adults aged 19-25 started in 2010 with the ACA’s provision enabling them to stay on their parents’ plans until age 26. From the baseline period through the start of open enrollment in 2013, the uninsured rate dropped from 34.1% to 26.7%, which translates to 2.3 million young adults gaining coverage.*
- Since October 2013, an additional 3.4 million young adults aged 19-25 gained coverage.**
- In total, an estimated 5.7 million young adults gained coverage from 2010 through March 4, 2015.
*Source: National Health Interview Survey; see technical notes for methods