Coverage & Benefits – The New Law

All health care fast facts are from the non-partisan Congressional Budget Office (CBO) and Center for Medicare and Medicaid Services (CMS). Although they represent many of their most recent reports on this subject, they do not represent all of their reports on this subject. Occasionally minor word adjustments may have been made for clarity or to reflect the updated nature of the statement.   As always, verify and view statements in their full context as often as possible.

The actual future impacts of the PPACA on health expenditures, insured status, individual decisions, and employer behavior are very uncertain. The legislation would result in numerous changes in the way that health care insurance is provided and paid for in the U.S., and the scope and magnitude of these changes are such that few precedents exist for use in estimation. Consequently, the estimates presented here are subject to a substantially greater degree of uncertainty than is usually the case with more routine health care legislation.  Verify at Page 4
The same substantial degree of uncertainty that surrounds Congressional Budget Office (CBO) and Joint Committee on Taxation’s (JCT) estimates of the impact that the PPACA would have on insurance coverage rates and the federal budget also accompanies this analysis of the proposal’s effects on premiums.  Verify here
The Patient Protection and Affordable Care Act, as amended by the Health Care and Education Reconciliation Act of 2010, will substantially reduce the number of people in the U.S. without health insurance.  Much of this reduction will occur as a result of expanded eligibility criteria for Medicaid, which the Centers for Medicare and Medicaid Services (CMS) estimates will increase the number of Medicaid enrollees by about 20 million in 2019.  Verify at Page i
An estimated 25 million health care Exchange enrollees (79 percent) would receive Federal government premium subsidies.  Verify at Page 5
The Center for Medicare and Medicaid Services (CMS) estimates that 16 million people would receive health coverage in 2019 through the newly created Exchanges under the PPACA.   Verify at Page 7
Some smaller employers would be inclined to terminate their existing coverage, and companies with low average salaries might find it to their—and their employees’—advantage to end their plans, thereby allowing their workers to qualify for heavily subsidized coverage through the Exchanges.  Verify at Page 7
Another 16 million persons (most of whom are currently uninsured) would receive individual insurance coverage through the newly created Exchanges, with the majority of these qualifying for Federal premium and cost-sharing subsidies.  Verify page 4
Additional Federal funding provided by the American Recovery and Reinvestment Act of 2009 and the Education, Jobs, and Medicaid Assistance Act of 2010 has alleviated some pressure on the States, but it is apparent that the Medicaid program is large enough to place serious strain on many States’ budgets.   Verify at Page 35-36
For the estimated 23 million people who would remain uninsured in 2019, roughly 5 million are undocumented aliens who would be ineligible for Medicaid or the Exchange coverage subsidies under the health reform legislation.  Verify at Page 8


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