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Impact of the Affordable Care Act

Since the Affordable Care Act (ACA) was passed, there have been a number of measurable and important effects — including lowering the uninsured rate to its lowest in 50 years.

  • The rate of uninsured persons dropped from nearly 16 percent in 2009, to approximately 9 percent — the lowest uninsured rate in 50 years.
  • Thirty-two states opted to expand Medicaid to families that make up to 138 percent of the federal poverty line under the ACA. This led to a 21 percent increase in Medicaid coverage since October 2013.
  • Nineteen states opted to not expand Medicaid coverage to families; because of this, many people are caught in a “coverage gap” — they make “too much” to be eligible for Medicaid and “too little” to be eligible for ACA Marketplace premium tax credits.
  • Employer-sponsored health insurance has not declined since the passage of the ACA, as many predicted it would. It has remained steady for five years.
  • The majority of people (87 percent) enrolled in the Marketplace receive premium tax subsidies, with an average of $272 per month. Some of these taxpayers have had to pay money back to the government because their projected incomes were higher than they expected when they enrolled.
  • Nearly 6 percent of Americans paid a tax penalty in 2014 for not having health insurance (this is the first year in which coverage was mandated by the ACA). The average fine was $200 per person.
  • The average premium increase since 2009 has been 5.8 percent, lower than the average 13.2 percent increases experienced from 1999 – 2008.
  • The average Marketplace deductibles for individuals is $2,927 and for families $6,010.

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