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NC ACA
The Impact of the Affordable Care Act on North Carolina's Uninsured Population This legislation has greatly expanded the number of citizens who are able to purchase affordable health insurance in the Healthcare Marketplace and in most cases there is a government subsidy to help offset the costs to families.
Tens of millions of Americans are uninsured in regard to their health, many at least partly because of rising health care costs. Spending on healthcare has outpaced the growth in the rest of gross domestic product by 2.5 percentage points annually throughout the past four decades and has doubled every decade and, at that rate, health spending will absorb 40% of GDP by 2050 (Reinhardt, 2010). Currently healthcare related bankruptcies are the leading driver of personal bankruptcies in the country because many families have fallen victim to overwhelming health care related financial burdens. There is an estimated one million six hundred thousand individuals (about seventeen percent) in North Carolina that currently do not have health insurance. This analysis will look at how the Affordable Care Act will affect this population.
The Affordable Care Act
Under the ACA, people with incomes between 100% and 400% of poverty may be eligible for premium tax credits when they purchase coverage in a Marketplace; the tax credit is based on income and the cost of insurance, and tax credits are only available to people who are not eligible for other coverage, such as Medicaid/CHIP, Medicare, or employer coverage, and who are citizens or lawfully-present immigrants (Kaiser Family, 2014).
The U.S. Census Bureau broke down rates of uninsurance by state in 2013 and found based on a survey that in North Carolina, about 1.58 million people were uninsured in 2012, but by the time of the 2013 survey, that number had dropped to 1.509 million (Hobban, 2014). According to these results, the rate of uninsured in North Carolina has already dropped from 16.5% in 2012 to 15.5% in 2013. Although this could be seen as significant progress, it also illustrates how far North Carolina still has to go to cover more of its population. Furthermore, some have argued that this improvement had more to do with the recovering of the economy than the effects of the new legislation.
The Affordable Care Act can…
Works Cited
Covington, O. (2013, September 5). Report: 40% of uninsured adults in NC likely to miss out on affordable care. Retrieved from Triad Business Journal: http://www.bizjournals.com/triad/news/2013/09/05/two-in-five-uninsured-adults-in-nc.html?page=all
Hobban, R. (2014, September 17). New Statistics Show Drops in the Rate of Uninsured. Retrieved from North Carolina Health: http://www.northcarolinahealthnews.org/2014/09/17/new-statistics-show-drops-in-the-rate-of-uninsured/
HRSA Press Office. (2011, December 8). Affordable Care Act support for school-based health centers will create jobs, increase access to care for thousands of children.
Kaiser Family. (2014, January 6). How Will the Uninsured in North Carolina Fare Under the Affordable Care Act? Retrieved from The Henry J. Kaiser Family Foundation: http://kff.org/health-reform/fact-sheet/state-profiles-uninsured-under-aca-north-carolina/
North Carolina Justice Center. (2014, March 20). Coverage or No Coverage? Retrieved from North Carolina Justice Center: http://www.ncjustice.org/sites/default/files/MedicaidFactsheetMarch20.pdf
Reinhardt, U. (2010, January 20). A Good Start. Retrieved from The Wall Street Journal: http://www.wsj.com/articles/SB10001424052748704675104575001101419588486
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