Health Care Access and Affordability among Low- and Moderate-Income Insured and Uninsured Adults under the Affordable Care Act

Brief

Health Care Access and Affordability among Low- and Moderate-Income Insured and Uninsured Adults under the Affordable Care Act

Abstract

The key question we ask in this brief, using data from the September 2015 round of the Health Reform Monitoring Survey (HRMS), is whether those on Medicaid and in the Marketplace are better off than the uninsured. Second, are they as well off as those with employer-sponsored insurance (ESI) or those with non-Marketplace nongroup coverage? And finally, are those with Marketplace coverage better or worse off than those with Medicaid?

  • As of September 2015, low- and moderate-income adults with Marketplace coverage were more likely to have a usual source of care and less likely to have had unmet needs for general doctor and specialist care in the past 12 months than uninsured adults with such incomes.
  • Low- and moderate-income adults with Marketplace coverage are no more likely to report problems paying medical bills or have high out-of-pocket costs than those with employer-sponsored insurance (ESI).
  • Low- and moderate-income adults with Marketplace coverage are as satisfied with their health plans as those with ESI in terms of premiums charged, but are less satisfied with their choice of providers and the protection their plans provide against high medical bills.

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