The goal of the Affordable Care Act, which took effect in 2013, was to provide insurance to tens of millions of uninsured or under-insured Americans, through online state and federal marketplaces offering an array of policies. By many measures, the law has been a success: The number of uninsured Americans has dropped by about half, with 20 million more people gaining coverage. It has also created a host of new policies for self-employed people like Ms. Moses, who previously had insurance but whose old plans were no longer offered.Yet even as many beneficiaries acknowledge that they might not have insurance today without the law, there remains a strong undercurrent of discontent. Though their insurance cards look the same as everyone else’s — with names like Liberty and Freedom from insurers like Anthem or United Health — the plans are often very different from those provided to most Americans by their employers. Many say they feel as if they have become second-class patients.
A primary goal of the Affordable Care Act when enacted was to tame the “Wild West” landscape of individual health coverage and put it more on a par with employer-sponsored coverage. And to provide more peace of mind to those having individual coverage.
It did so by defining essential health benefits and minimum actuarial value of individual plans. According to this New York Times story, that hoped for relative degree of parity has yet to be achieved, with employer-sponsored plans that cover the majority of working age adults remaining preferred by providers.
Need a speaker or webinar presenter on the Affordable Care Act and the outlook for health care reform? Contact Pilot Healthcare Strategies Principal Fred Pilot by email