Stateof Enrollment
STATE OF ENROLLMENT Health Insurance Outreach and Enrollment during COVID-19 By: Mina Schultz, Phelan O'Neill, and Erin Hemlin 2021 The State of Enrollment Report: Health Insurance Outreach and Enrollment during COVID-19 Introduction Signed into law in 2010, the Affordable Care Act (ACA) has succeeded in two of its main objectives: greatly increasing insurance coverage for millions of Americans, and enacting key consumer protections and insurance reforms. From 2010 to 2016, 20 million Americans gained health coverage, decreasing the uninsured rate from nearly 18% in 2010 to 10% by 2016.1 Young adults (18-34) saw especially strong gains. Before the ACA, 30 percent or 1 in 3 young adults lacked health insurance, but by 2018 that rate was cut in half, to just 15 percent. Additionally, key insurance reforms greatly strengthened consumer protections and the quality of insurance: ending discrimination against people with pre-existing conditions, eliminating annual and lifetime caps, requiring plans to cover a minimum set of benefits, and limiting the amount of premiums that could go toward administrative costs and profits, rather than toward health care costs. Lawmakers, aware that extensive outreach and education would be needed to help consumers adapt to the new landscape and take advantage of these new health coverage options, incorporated health coverage enrollment assistance into the ACA, known as the Navigator program. Given the complexities of the new law, higher uninsured rates among young people, and lower rates of health literacy among young adults, opportunity was ripe for a national public education campaign targeting young people, led by young people, in coordination with Navigator programs across the nation.
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