The POOR MIDDLE CLASS HEALTHCARE INSURANCE CRISIS

 
This post was originally written before The Trump Administration came into power. One of their campaign promises was to repeal and replace Obamacare. At this time, it is not known what the outcome will be. But an article in TalkPoverty.com indicates that a completely new plan could decimate Medicaid for seniors and people with disabilities.
 

The Healthcare Insurance Crisis
There is a Poor Middle Class healthcare insurance crisis in this country. In fact, this issue is of growing concern. The lack of sufficient medical care coverage for many people is the cause. The cost for others is also of great concern. The deepest concern is felt by the poor and poor middle class. Here’s the reason. With the election of the new President, the Obamacare Program was promised to be discarded and replaced. But now in spite of that promise, no one knows what would or could replace it.

At present closer examination, lawmakers see that Obamacare will not be so easy to repeal and replace. Instead of such an extreme measure, they are suggesting that refinement may be a more reasonable solution. But with the new President, this could be even more of a challenge. The reason is that he is not in favor of compromise. He would rather make a sweeping changes. That would mean erasing the blackboard and starting over from scratch. According to the map in Figure 1 below, Affordable Care Act Medicaid Expansion could be in jeopardy. This could impact healthcare negatively for many people.

 

healthcare insurance crisis
Figure 1: Expansion states are split between Republican and Democratic governors as of January 2017.

 

Medicare and Medicaid
Essentially, the differences between Medicare and Medicaid is fairly straightforward. In other words, eligibility for Medicare is at age 62. Contrary to Medicare, Medicaid benefits are based on financial need and disabilities rather than by age. In addition, individuals above a certain income level pay a monthly premium for Medicare. Not only that, they have a co-pay for medical services. On the other hand, Medicaid recipients do not have a co-pay. Let’s go to Wikipedia for more thorough definitions of Medicare and Medicaid.

 

healthcare insurance crisis
Figure 2: Medicaid eligibility increased for parents and other adults in expansion states under the ACA.

 

The Wikipedia definitions for Medicare and Medicaid
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Definition of Medicare According to Wikipedia

healthcare insurance crisis
Medicare card and Medicaid logo samples
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Definition of Medicaid According to Wkikpedia

 

healthcare insurance crisis
Figure 3: Most of the growth in Medicaid enrollment was in expansion states and the West from Summer 2013 to September 2016.

 

The Prospects for Poor Middle Class Healthcare
There are added benefits to Medicaid over Medicare. Therefore, maintaining Medicaid is a major concern for poor middle class people’s health care insurance. Individuals on Medicaid have:
• a zero monthly premium
• 100% coverage for primary medical care
• referred coverage at no charge
• minimal charge for prescriptions

 

healthcare insurance crisis
Figure 4: About 11 million Medicaid enrollees in 2015 were newly eligible adults in the expansion group.

 

What Coverage and Financing is at Risk Under a Repeal of the ACA Medicaid Expansion?
The article begins:
healthcare insurance crisis
What Coverage and Financing is at Risk Under a Repeal of the ACA Medicaid Expansion?
Dec 06, 2016 | Robin Rudowitz, Samantha Artiga, and Katherine Young

 

healthcare insurance crisis
Figure 5: Uninsured rate drops more between 2013 and 2016 in states that adopted the Medicaid expansion.

 
This article concludes:

healthcare insurance crisis
What Coverage and Financing is at Risk Under a Repeal of the ACA Medicaid Expansion?
Dec 06, 2016 | Robin Rudowitz, Samantha Artiga, and Katherine Young

 

healthcare insurance crisis
Figure 6: From January 2014 – June 2015, spending for the expansion group totaled $84 billion ($79 billion in federal funds).

Cooperative working systems

 

 

 

Sources & Resources
Wikipedia Definition of Medicare

Their Definition of Medicaid

What Coverage and Financing is at Risk Under a Repeal of the ACA Medicaid Expansion? Dec 06, 2016 | Robin Rudowitz, Samantha Artiga, and Katherine Young

What Coverage and Financing Are At Risk With the Repeal of ACA Medicaid Expansion, footnotes

Navigating The Healthcare Landscape

What Coverage and Financing is at Risk Under a Repeal of the ACA Medicaid Expansion?

TalkPoverty.com

Republicans Have Lost Their Plot To Repeal Obamacare

Can Obamacare Be Repealed?

Fearing Repeal of Obamacare, Women Are stocking Up on Birth Control

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