By IYUE SUNG
Americans typically don’t switch health insurance, and that has not changed much with healthcare reform. Despite controversy with the converse scenario – the ability to keep the same insurance – and the introduction of health insurance marketplaces, data from ACAView suggests switching behavior has been modest.
For this latest ACAView research, our team set out to determine how the ACA’s insurance coverage expansion has influenced patient behavior in switching insurance coverage. We looked at patients’ switching patterns, and how those have shifted for a subset of patients who have visited primary care providers at the same practice at least once a year between 2013 and 2014 and/or between 2014 and 2015.
Our research revealed five key findings:
In Medicaid expansion states, over 40% of uninsured patients obtained insurance the following year, in both 2014 and 2015. In comparison, in non-Medicaid expansion states, about 25% of previously uninsured patients obtained insurance during the same time periods. Conclusion: Medicaid expansion has allowed a higher proportion of previously uninsured patients in continuous care to obtain insurance.
In Medicaid expansion states, the proportion of commercially insured patients switching to Medicaid coverage – though rare – has doubled. In 2014, 1.2% of commercially insured patients in continuous care switched to Medicaid coverage. Prior to coverage expansion, only 0.6% switched to Medicaid coverage in the subsequent year. (In 2015, this proportion increased to 1.6%.)
With coverage expansion, the percentage of commercially insured patients who switch coverage the subsequent year has increased: from 15.0% pre-expansion to 18.3% in 2014 and 17.3% in 2015. This may occur because some commercially insured patients switch to plans on the health insurance marketplaces because they are eligible for subsidies.
The switching behavior of people who changed plans or payers had no notable impact on utilization. Whether patients switched commercial insurance plans with the same payer, or they switched payers, there were no clear changes in either visit frequency or relative value units (RVUs) per visit.
Patients with a range of chronic conditions[1] (high cholesterol, hypertension, and diabetes) are less likely to switch insurance coverage. In contrast, patients diagnosed with mental disorders were more likely to receive insurance coverage.
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