We already knew that nearly a million New Yorkers had enrolled through NY State of Health during the first open enrollment period from October 1 to March 31. But now we know more than ever about who they were, where they live, and how they enrolled. That’s thanks to the new enrollment report released yesterday by NY State of Health, the official health plan marketplace, which includes eagerly awaited demographics data such as age, race and ethnicity of enrollees.
HCFANY issued a press release, highlighting key findings from the data, such as the importance of in-person assistors in helping New Yorkers obtain health insurance. Nearly 50% of insurance applications were completed with help of in-person assistors, including Navigators, Certified Application Counselors, and brokers. In-person assistance was particularly critical for low-income New Yorkers: more than half (59%) of the Medicaid enrollees used in-person assistance to complete their application.
For the first time, the report offers a glimpse into the race and ethnicity, as well as preferred language, of New York enrollees. Though the data is incomplete – about one in four enrollees chose not to respond to the application on race – it nonetheless will help direct future outreach and enrollment efforts across the state. About 37% of enrollees who answered the question reported their race as Black/African American, Asian/Pacific Islander, or “other” non-white race. About 20% of Medicaid enrollees chose a language other than English, but no enrollees reported their preferred language as Korean, Russian, or French Creole, pointing to potential gaps in these communities. As useful as this data is, it only provides a statewide picture – there is still a need for race, ethnicity and preferred language by county in order to target outreach to the communities that need it most.
Financial assistance was key to the high enrollment numbers in Qualified Health Plans (private health insurance). Nearly 3/4 of enrollees got private health plans with financial assistance in the form of Advanced Premium Tax Credits (APTC) or a combination of both APTC and cost-sharing reductions. An average New Yorker who was eligible for financial assistance saved $215 per month in premium.
And, while some enrollees (about 13%) clearly benefited from the Medicaid expansion that made them newly eligible for public insurance, a whopping 93% of Medicaid enrollees were newly insured overall. That means many of those who enrolled in Medicaid were previously eligible but, for whatever reason, had been unable to enroll. New York clearly did something right in building it’s health insurance marketplace – the single, streamlined web application our State officials built is working. And, boy, did New Yorkers come.
Today’s post comes from guest blogger Lois Uttley, of Raising Women’s Voices
“Do you know somebody who needs health insurance?”
That was the conversation starter at the Health Care for All New York booth Sunday at the annual Mamapalooza festival in South Riverside Park, along Manhattan’s Hudson River waterfront. “Yes, me!” was often the answer from the Moms (and Dads) stopping by the booth.
Raising Women’s Voices-New York staffers Lois Uttley and Aliza Lederer-Plaskett and intern Nina Nnamani teamed up with Lorraine Gonzalez of the Children’s Defense Fund-New York to staff the HCFANY booth. While the rainy weather dampened attendance, many of those present expressed surprise and excitement when HCFANY representatives explained the new health insurance options becoming available this October through the New York State Health Benefits Exchange.
“I’m a small business owner, and I just can’t afford health insurance for me and my employees,” explained one woman who wandered over from one of the booths offering products appealing to Moms and families. She was thrilled to hear about the new, more affordable health coverage that will be available to small employers when the state Exchange opens for enrollment on October 1.
HCFANY member organizations, including Raising Women’s Voices-NY, will be out and about at various community festivals this spring and summer, working to raise awareness about the new health coverage that will be available for individuals, families and small employers. Would you like Raising Women’s Voices or another HCFANY member organization to come to your event? If so, contact Liza@raisingwomensvoices.net.
Thanks to everyone who came to last week’s HCFANY briefing in NYC – was a great success and we ended up with a turnout of over 130 people.
Many attendees have been asking for copies of the presentations and materials we had available at the meeting, so we are posting them up here for anyone who is interested. Here is a quick recap:
- Sara Rothstein, Assistant Director for Policy and Planning for the New York Health Benefit Exchange presented an update on implementation of the NYS Health Benefit Exchange including a very broad overview of the State’s outreach and marketing plan, information on the Navigator RFA. You can view Sara’s presentation by clicking here.
Martine Apodaca, Director of the Public Education Campaign for Enroll America presented a profile of the uninsured in New York and their findings on messaging around the new health insurance options based on a national survey. You can view Martine’s presentation by clicking here.
Joanne Bailey, Director of Policy and Research at the New York City Office of Citywide Health Insurance Access (OCHIA) presented on the timeline for health reform implementation in the New York, including a profile of the uninsured in New York City, and the potential challenges and opportunities brought by the ACA. You can view Joanne’s presentation by clicking here.
In addition, we had several publications and handouts available:
- HCFANY’s 2013 ACA Advocacy Agenda
- Reaching One Million More New Yorkers: A Successful Enrollment Campaign for the Exchange
- HCFANY’s Agenda to Address Health Disparities
- New Coverage Options Coming Soon
- Profile of The Uninsured in NYC
- Small Employers and the Health Care Law
- Profile of the Uninsured: People With Disabilities in NYC
Tomorrow marks the 3-year anniversary of the ACA and – wow – what a journey it has been!
Despite its youth, the ACA has already succeeded in helping millions of Americans get access to affordable care. For example, children with pre-existing health problems can no longer be turned down for coverage. Small businesses have access to tax credits to help pay for health insurance for their employees: 4 in 5 New York small businesses are eligible. Preventive care is now available without co-pays, seniors who hit the Medicare “donut hole” are paying less for prescription drugs, and health insurers now have strict guidelines on how much of your monthly premium must be used on medical care rather than their own administrative costs.
A few numbers give a picture of just how much the ACA has helped people in our state:
- New Yorkers with Medicare have saved over $407.6 million on prescription drugs since the law’s enactment. In 2012 alone, 226,569 individuals in New York saved over $170.4 million, or an average of $752 per beneficiary.
- 4.4 million New Yorkers gained access to free preventive health services in 2011 and 2012. 1.5 million seniors with Medicare received free preventive health care in 2012 alone.
- This year, 1 million New Yorkers with private insurance coverage will get $86,526,642 in rebates from insurance companies who have overcharged them, with an average rebate of $138 per family.
And the best is yet to come: In 2014, annual limits on insurance coverage will be banned, adults with pre-existing conditions will no longer be denied coverage, and tax credits will be available to help individuals and families pay for health insurance. And, individuals and small businesses will be able to get health insurance, including public programs like Medicaid, through the New York Health Benefit Exchange. This will save New Yorkers who buy insurance on their own an average of over 60% and people who get it through their small business over 20%. Enrollment will begin October of this year!
Because of the ACA, affordable, quality health care will soon be woven into the fabric of American society, making us stronger and healthier as a nation. And that’s something we can ALL look forward to!
So, Happy Third Birthday, ACA! May you live a long, happy (and healthy) life!