One of four (26%) working-age U.S. adults experienced a gap in health insurance coverage during 2011, often because they lost or changed jobs, according to a new Commonwealth Fund report that also shows how difficult it is for people to regain health insurance on their own after losing employer-sponsored coverage.
About seven of 10 (69%) of those who had a time without health insurance coverage had gone without coverage for a year or longer, and more than half (57%) were uninsured for two years or more, according to the report, based on the 2011 Commonwealth Fund Health Insurance Tracking Survey of U.S. Adults.
Among those who were uninsured at the time of the survey or who had experienced an insurance gap, 41 percent said they had previously had employer-sponsored coverage. Two-thirds (67%) of those who lost their employer-sponsored coverage cited a loss or change of a job as the primary reason for losing coverage.Finding Affordable Coverage on Your Own Not Possible for Many
"For people who lose employer-sponsored coverage, the individual market is often the only alternative, but it is a confusing and largely unaffordable option," said Commonwealth Fund Vice President Sara Collins, lead author of the report. "As a result, people are going a year, two years, or more without health care coverage, and as a result going without needed care."
Seventy percent of continuously insured respondents had had their cholesterol checked in the past five years, compared to half of those who had a coverage gap of less than a year and a third (33%) of those who had a gap of a year or more. Three-quarters (74%) of insured women ages 40 to 64 had received a mammogram in the past two years, compared to only 28 percent of women in that age group with a coverage gap of a year or more. More than four of five (83%) of adults with continuous coverage had had their blood pressure checked in the past year, compared to 70 percent of those with a coverage gap of less than a year, and half (51%) of those without coverage for a year or longer.
The report, by Commonwealth Fund researchers Sara Collins, Ruth Robertson, Tracy Garber, and Michelle Doty, is the second in a series called Tracking Trends in Health System Performance that The Commonwealth Fund will release over the next several years. Subsequent surveys will revisit the same respondents to track their experiences as the Affordable Care Act is implemented. Findings from additional tracking surveys that will focus on young adults ages 19-29 and adults ages 50-70 will be released later in 2012.Early Provisions of the Affordable Care Act Having Impact
Half of adults were aware of the Affordable Care Act's new Pre-Existing Condition Insurance Plans (PCIPs) that offer coverage to people who were previously unable to obtain coverage because of a health condition and who have been uninsured for at least six months.
The major provisions of the health reform law, to be implemented starting in 2014, will have the biggest effect in bridging health care coverage gaps, the authors say, through an expansion in eligibility for Medicaid, subsidized private insurance available through new state health insurance exchanges, and new rules that will prevent insurers from denying coverage or charging people more based on pre-existing conditions or gender. The law will also make it easier for consumers who must buy health insurance on their own to purchase a health plan that meets their needs through clearly defined benefit packages and tools to help consumers choose among plans. The new insurance exchanges, for example, will be required to offer a cost-calculator that will help families understand the cost implications of deductibles and co-insurance.
"The current system of health insurance in the United States has gaping holes, the effects of which have become increasingly pronounced during a weak economy," said Commonwealth Fund President Karen Davis. "The Affordable Care Act is beginning to close those gaps, so that people who are already struggling can maintain health care coverage that will provide for their families' health and help ensure their financial security."
The report will be available on the Commonwealth Fund Web site on April 19, 2012, at: http://www.commonwealthfund.org/Publications/Issue-Briefs/2012/Apr/Gaps-in-Health-Insurance.aspx.Methodology
The Commonwealth Fund Health Insurance Tracking Survey of U.S. Adults, 2011, was conducted online between June 24 and July 5, 2011, by Knowledge Networks, among a representative sample of adults ages 19 to 64. The survey sample was drawn from KnowledgePanel—a probability-based online panel that is representative of the U.S. population and includes cell-phone only and low-income households that are typically difficult to reach using traditional telephone surveys and random digit dialing (RDD) sampling.
The survey was completed by 2,134 respondents. The final sample includes 977 low-income adults who have incomes below 250 percent of the fed¬eral poverty level ($55,875 for a family of four). The survey has an overall margin of sampling error of +/– 3 percentage points at the 95 percent confidence level.
The Commonwealth Fund is a private foundation supporting independent research on health policy reform and a high performance health system.
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