![]() All direct purchase plans must also cover certain “essential health benefits” ( EHBs ) that fall under 10 different categories, including maternity and newborn care, mental health, and preventive care. The ACA bars plans from charging women higher premiums than men for the same level of coverage (gender rating) or from disqualifying women from coverage because they had certain pre-existing medical conditions, including pregnancy. The ACA set new standards for all individually purchased plans, including plans available through the Marketplace as well as those that existed prior to the ACA.The American Rescue Act (ARPA) of 2021, and subsequently the Inflation Reduction Act of 2022, provided a temporary extension (to 2025) of Marketplace subsidies to people with higher income levels. Individuals with incomes below $56,388 (400% of the Federal Poverty Level) can qualify for assistance in the form of federal tax credits which lower premium costs. Most individuals who seek insurance policies in their state’s Marketplace qualify for assistance with the costs of coverage. ![]() 4 This includes individuals who purchased private policies from the ACA Marketplace in their state, as well as those who purchased coverage from private insurers that operate outside of Marketplaces. In 2021, about 8% of women ages 19 to 64 (approximately 8.2 million women) and 8% of their male counterparts purchased insurance in the non-group market. ![]() It also included many insurance reforms to alleviate some of the long-standing barriers to coverage in the non-group insurance market. The ACA expanded access to the non-group or individually purchased insurance market by offering premium tax credits to help individuals purchase coverage in state-based health insurance Marketplaces. On average, workers paid 17% of premiums for individual coverage and 28% for family coverage with the employers picking up the balance. Family premiums have increased 47% over the last decade. In 2021, annual insurance premiums for employer sponsored insurance averaged $7,739 for individuals and $22,221 for families.Women in families with at least one full-time worker are more likely to have job-based coverage (71%) than women in families with only part time workers (37%) or without any workers (17%).Sources of Health Insurance Coverage Employer-Sponsored InsuranceĪpproximately 58.1 million women ages 19-64 (60%) received their health coverage from employer-sponsored insurance in 2021 (Figure 1). and globally, discusses the impact of the ACA on women’s coverage, and the coverage challenges that many women continue to face. in 2021, as the coronavirus pandemic continued in the U.S. This factsheet reviews major sources of coverage for women residing in the U.S. ![]() Over the past decade, the Affordable Care Act (ACA) has expanded access to affordable coverage through a combination of Medicaid expansions, private insurance reforms, and premium tax credits. However, gaps in private sector and publicly-funded programs and lack of affordability left a little over one in ten women uninsured. 1 Among the 97.3 million women ages 19 to 64 residing in the U.S., most had some form of coverage in 2021. Health insurance coverage is an important factor in making health care affordable and accessible to women. ![]()
0 Comments
Leave a Reply. |
Details
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |