Study Shows ObamaCare Helped People Keep Up on Rent and Mortgage

A new study shows that ObamaCare, specifically Medicaid expansion and marketplace assistance, helped people from becoming delinquent on rent and mortgage payments.

Here are some of the highlights of the study:

  • The rate of health insurance coverage jumps by about 6% at the income threshold for ACA Marketplace subsidies.
  • Among households targeted by the policy, the rate of home payment delinquency falls by 25% at the eligibility threshold.
  • Out-of-pocket medical spending declines by $1,054 per eligible household at the 90th percentile of the spending distribution.
  • The social benefits from fewer delinquencies might amount to $441–$683 per subsidy eligible person.

In words, by lowering healthcare costs of low-income Americans the Affordable Care Act helped to ensure people had more money for other basics like mortgage and rent. Thus, logically, in some cases the ACA could have even helped people from losing their homes.

Read the study yourself here: The effect of health insurance on home payment delinquency: Evidence from ACA Marketplace subsidies. Consider the following excerpt from MarketWatch.

Or, learn more from Marketwatch’s Obamacare helps people stay current with mortgage payments and rent, study concludes.

“Having access to the marketplace subsidies, in turn, corresponded to a 25% reduction in respondents saying that they had been delinquent with a rent or mortgage payment. In contrast, in states that did expand Medicaid, having access to the marketplace subsidies had no effect on delinquencies, since lower-income residents were better-covered.”

Author: Thomas DeMichele

Thomas DeMichele is the head writer and founder of,, and other websites. He has been in the health insurance and healthcare information field since 2012. is a...

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