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Affordable Care Act

Health

ACA Expansion & Young Adult ED Visits: Study Findings & Insights

by Dr. Michael Lee – Health Editor September 16, 2025
written by Dr. Michael Lee – Health Editor

Study Examines ACA‘s Impact on Young Adult Substance ⁤Use-Related Emergency Care

A recent study published in The American Journal of Managed Care ⁣ investigated whether the ⁤affordable Care Act’s⁢ (ACA) dependent coverage expansion – allowing young adults to remain on their parents’ insurance‌ plans until age 26‌ – impacted emergency department (ED) visits ​and hospital admissions related to substance use. Led by Refat Rasul Srejon, MPH, a Doctor of Public Health candidate at the University of Nevada, Las Vegas, the research focused on individuals aged 22-26, a demographic particularly vulnerable to substance misuse and targeted by the‌ ACA expansion.

The ‍study ⁤utilized a quasi-experimental design, analyzing data from the​ Nationwide Emergency Department Sample ⁤(NEDS) spanning 2007-2019. Researchers compared trends in ED visits and inpatient admissions for a “treatment group” of​ individuals aged 23-25 (directly affected by the ACA policy) with a “comparison group” ‍of those aged 27-29 (assumed to be unaffected).‌ ‌ Statistical adjustments were made to account for factors such⁤ as⁢ sex, ​pre-existing health‍ conditions, insurance type, neighborhood income, rural location, and hospital region.

Findings revealed a notable⁤ difference in‍ outcomes based ⁤on the ⁢substance involved. The study demonstrated a decline in alcohol-associated ED visits within the treatment group following the ACA implementation, suggesting ‌that increased insurance coverage may have contributed ⁢to reduced emergency care for alcohol-related issues.However, opioid-associated ​ED visits increased and this increase was consistent across both age groups studied. Furthermore, the research found no meaningful change in ⁤inpatient admission rates related to substance use between the two age groups.

Srejon and his team interpret these contrasting results as evidence that simply expanding insurance coverage is not a thorough solution to reducing ⁤all forms ⁢of substance-related acute care ​utilization. The study highlights the ⁢complex interplay between insurance access and substance‍ use⁣ disorder treatment, suggesting that additional interventions may be necessary to address the growing opioid ⁢crisis and related ⁤emergency care​ needs⁣ among young adults.

September 16, 2025 0 comments
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Health

Government Shutdown Threat: Democrats Demand Health Care Deal Before Funding Lapse

by Dr. Michael Lee – Health Editor September 13, 2025
written by Dr. Michael Lee – Health Editor

Democrats‍ Prepare to Draw Line on Health Care Spending as Shutdown Looms

WASHINGTON – As the October 1st deadline for a government shutdown rapidly approaches, Democrats are signaling a willingness ⁣to fiercely defend health care spending, setting up a potentially high-stakes⁤ confrontation wiht Republicans who control Congress. The looming budget battle centers on federal outlays, ‍with health care already ‍consuming‌ a significant portion – 27% ​of all ‍federal funds in fiscal year 2024, according to the Kaiser Family Foundation (KFF).

The Democratic stance comes⁢ amid growing​ scrutiny of the efficiency of U.S.‌ health spending, which some experts argue doesn’t translate to improved health outcomes.⁣ Michael Cannon, a health​ policy expert, highlighted⁤ this point, stating, “We have the most ‍expensive health sector​ in the world… Maybe the⁢ most inefficient one. Some people say. There’s more disagreement about that. but there’s a lot of evidence ​that when you reduce spending in the United⁣ States,it doesn’t affect health outcomes much.” Cannon detailed his research, citing ⁢multiple randomized, controlled⁢ trials examining subsidized medical care that have failed to demonstrate corresponding health improvements, in both a Wall Street Journal op-ed and​ a Substack entry.

However, Cannon also⁣ contends that the⁣ high cost is driven by ⁣industry influence. ‍”The industry has captured the policymaking process,” he said. “The industry has captured​ the debate over health care⁤ and health spending.”

While a government shutdown is a serious prospect, Cannon downplayed its⁣ potential impact, suggesting,​ “They just close the Washington monument for a few ​days, and then somebody caves, and they ⁢reinstate all the spending that was going to be there… So,‍ there’s really… not much downside to a shutdown. but there’s a huge downside to increasing government spending on‌ health care.”

The political calculus ⁣for Democrats is complex. Casey Burgat,Legislative Affairs Programme Director at George Washington University,described the situation as a “literal trillion-dollar question,” noting that shutdowns harm‌ everyone,but the key is “politically,who do they ⁤hurt more?”

Burgat explained that Democratic voters are motivated to see their representatives‍ resist⁢ the agenda ⁤of President donald Trump. with over two weeks remaining before the​ deadline, public posturing carries‌ limited risk for Democrats. Though, the dynamic shifts as the ​deadline nears.

“Maybe⁤ they’re⁤ making the calculation‌ that it forces Republicans to the⁣ table on at least some of their priorities,” Burgat said. He also‌ suggested Democrats could potentially deflect ‌blame for a shutdown, given Republican control of both Congress and the White House. “I think the easier case to make for the public… is they know who’s in the White house. And then‌ if⁣ they’re paying⁢ even a little bit more attention,they know who​ has ​congressional majority.” Despite this potential advantage,⁢ Burgat acknowledged a shutdown‍ would be damaging for both parties, calling it⁢ “a pox on both our houses.”

September 13, 2025 0 comments
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Health

Dreamers Lose Health Insurance Coverage in Colorado Marketplace

by Dr. Michael Lee – Health Editor August 24, 2025
written by Dr. Michael Lee – Health Editor

Summary of teh Article:‍ Dreamers Losing ‌Health Insurance Access in Colorado

This article details a recent policy change that will require Dreamers (recipients of Deferred Action for Childhood Arrivals -‍ DACA) in ​Colorado to lose their health insurance coverage through Connect for health colorado, the ⁣state’s health ⁣insurance⁣ marketplace. Here’s⁢ a‍ breakdown of the key points:

Policy ‍Change: A new federal rule, mandated by the U.S.‍ Centers for Medicaid and Medicare Services (CMS),reverts to a previous interpretation ⁤of “lawfully present” under the Affordable Care⁣ Act (ACA),excluding DACA recipients.
Impact: Approximately 100 ‍or fewer Dreamers ‍in Colorado ‍will be affected. They must cancel⁣ their current coverage by August 25th to ⁢avoid perhaps having to repay advance premium ⁢tax credits (between $375 and $3,250). Reasoning: CMS‌ states the change aligns with the original ACA statute requiring “lawful presence.” They claim it won’t impact premiums. Alternative Options: Dreamers ‍can⁤ still access ⁣health insurance through:
Colorado Connect: ​A separate ⁤platform operating in ‍partnership with Connect for Health Colorado.
Emergency Medicaid: Available irrespective of immigration status.
Concerns: Community leaders express concern about the⁤ disruption to healthcare access​ for Dreamers and the broader negative impact ‍on the immigrant community. Healthcare access is seen as foundational for overall‌ well-being.
Assistance Available:
Hilltop Community Programs: Offers one-on-one assistance with cancelling coverage ‌and enrolling in⁢ alternatives (walk-ins Wednesdays 9am-4pm, ‌appointments available online: http://www.htop.org/health-access).
Connect ⁤for Health Colorado: Provides access to a ⁣network of ​certified ⁢brokers and assisters​ (http://connectforhealthco.com/we-can-help/).

In essence, the article highlights a rollback of healthcare access for Dreamers in Colorado due to a change in federal interpretation of immigration status requirements for ACA eligibility, while also pointing to available resources to​ help⁣ them navigate the transition.

August 24, 2025 0 comments
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Business

Pennsylvania Health Insurance Premium Increases: What Pennsylvanians Need to Know

by Priya Shah – Business Editor August 19, 2025
written by Priya Shah – Business Editor

Pennsylvania Health Insurance Costs May Rise in 2026

Table of Contents

  • Pennsylvania Health Insurance Costs May Rise in 2026
    • Proposed ⁤Rate ​Increases for 2026
    • The Impact of Expiring Tax Credits
      • Key ⁤Data: Pennsylvania Health Insurance Landscape
    • Navigating Pennsylvania’s Health Insurance ⁢Marketplace
      • Frequently Asked Questions‌ About Pennsylvania Health Insurance

HARRISBURG, PA – Pennsylvanians could face increased health insurance costs next year ⁢as proposed​ premium rates ⁣climb and crucial federal tax credits are poised to expire. The potential changes could impact hundreds ​of thousands⁤ of residents who rely on the Affordable Care Act (ACA) marketplace for coverage.

Proposed ⁤Rate ​Increases for 2026

Insurance companies operating on Pennie,Pennsylvania’s official health insurance marketplace,have proposed average premium increases of 19 percent for⁢ individual plans and‍ 13 percent for small businesses ‍and groups in ​2026. ⁤These proposed rates are currently under review by the ​Pennsylvania‍ Insurance Department [[3]]. State officials​ are actively⁢ soliciting public⁢ comment on the proposals, with a deadline of September‌ 2nd.

Pennsylvania Insurance commissioner Michael Humphreys‍ emphasized⁣ the importance of proactive shopping.⁤ “This​ year, even⁢ more‌ than previous years, Pennsylvanians should consider shopping around to find the best plans to ⁤meet their individual needs, at a price that makes sense for ​their current ‌financial situation,” he stated.

Did You Know? Pennsylvania saw a record 496,661 people enroll in health insurance plans through pennie during the most recent open enrollment period.

The Impact of Expiring Tax Credits

A meaningful factor contributing to ⁤potential​ cost increases is the scheduled expiration of enhanced premium tax credits at the end of 2025.⁤ These credits,introduced in 2021,have substantially‍ lowered health⁢ insurance costs for many Pennsylvanians.According to the Kaiser Family ​Foundation, ‌the ⁤expiration of these credits could‍ lead to significant premium increases ⁢for those who currently benefit from them [[2]].

approximately 90⁢ percent of Pennie enrollees ⁢currently receive premium tax credits, calculated based on income, to help offset monthly premiums. The ⁤loss of enhanced credits could make coverage‍ unaffordable⁣ for some⁤ individuals and families.

Key ⁤Data: Pennsylvania Health Insurance Landscape

Metric Value
Proposed Individual Premium Increase (2026) 19%
Proposed ⁣Small Business/Group Premium Increase (2026) 13%
pennie Enrollment⁤ (2024) 496,661
Percentage of Enrollees Receiving Tax Credits 90%
Expiration Date of enhanced Tax Credits December‌ 31,2025

The ​state Insurance Department will evaluate the proposed rate ⁣increases,considering ⁤factors such ​as whether they are “not excessive or inadequate – and are not unfairly⁢ discriminatory.” Public‌ testimonials regarding the potential impact of rate hikes will ‌be a ⁤key component of this review process.

Pro Tip: Shopping around and comparing plans on Pennie is crucial,especially with‍ potential rate changes ‌and⁤ the expiration of tax credits. Don’t ⁢automatically renew your‍ current plan without exploring other options.

Navigating Pennsylvania’s Health Insurance ⁢Marketplace

pennie⁢ serves as the state’s‍ official health coverage ⁢marketplace, offering a platform for individuals and families to find‍ and enroll in health insurance plans. It is the sole location within Pennsylvania⁤ to access financial ​assistance‌ designed to ⁤lower the ⁤cost of ⁣coverage and care [[2]]. residents can explore various plans and determine their eligibility ​for financial⁣ assistance through the Pennie website.

What⁢ steps ​can Pennsylvania residents take ⁤to prepare ​for​ potential​ health ‌insurance changes in 2026? How​ will the expiration of tax credits specifically affect your family’s budget?

The Affordable Care⁤ Act⁢ (ACA), enacted in 2010, fundamentally reshaped the American ⁤health insurance landscape. Prior to the ACA, many individuals‍ with pre-existing ⁣conditions were denied coverage or charged ⁣significantly ⁢higher premiums.The ACA aimed to expand access to affordable health insurance, and marketplaces⁣ like Pennie were established ⁢to facilitate this goal. ‌ongoing debates surrounding the‍ ACA and ⁣its funding mechanisms continue to influence the cost and availability of​ health insurance⁣ across ⁢the nation.

Frequently Asked Questions‌ About Pennsylvania Health Insurance

  • What is​ Pennie? Pennie is Pennsylvania’s official health insurance marketplace where residents ⁢can find‍ and enroll in ACA-compliant⁣ health plans.
  • Are there financial assistance options⁤ available? Yes,‌ premium tax credits are available to eligible individuals and families based on their income.
  • What happens ⁢if the enhanced⁢ tax credits expire? Premiums could increase for those currently receiving the enhanced credits, potentially making coverage less affordable.
  • How can I submit public ‌comment on the proposed rate​ increases? you can submit comments to the Pennsylvania Insurance‌ Department before the ​September 2nd deadline.
  • Where can I find ⁢more⁢ details about health insurance options⁢ in Pennsylvania? Visit Health Insurance in⁤ Pennsylvania for extensive resources.

Disclaimer: This article provides general information and should not ‍be considered legal, health, or financial advice. Consult with a qualified professional for personalized guidance.

We hope this information empowers you to ⁤make informed decisions about⁣ your health insurance coverage. Please ‌share this article with ​your friends and‌ family, ⁢and feel⁣ free to leave a comment below with your thoughts and questions. ⁤ Don’t forget to subscribe ‍to our newsletter for the ‍latest updates on health ‍insurance and other vital news!

August 19, 2025 0 comments
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Health

Georgia Health Commission Report Silent on Federal Spending Cuts

by Dr. Michael Lee – Health Editor July 22, 2025
written by Dr. Michael Lee – Health Editor

Georgia Health Commission Silent as Federal Spending Cuts Loom, Insurance Premiums Poised to Soar

ATLANTA, GA – Despite critically important federal spending cuts that threaten Georgia’s healthcare landscape, teh state’s Health Policy and Planning Commission has not convened this year, raising concerns among healthcare advocates. The commission’s recent report, while highlighting issues such as Medicaid access for low-income children, the need to bolster the healthcare workforce, and improving health insurance access, notably omits the potential impact of H.R. 1, a new federal law that will reduce funding for safety net programs like Medicaid and food stamps by over $600 billion over the next decade.

Dr. Harry Heiman, a member of the commission, expressed his dismay, stating, “I take my role in the commission seriously and I believe that our work can protect lives….But it’s preposterous to publish a report on behalf of a commission that hasn’t met.”

The report does, however, address a critical threat to Georgia’s health insurance marketplace, which serves 1.5 million residents.Federal subsidies that have made marketplace health insurance plans affordable are set to expire on December 31st, with no indication from Congress of an extension. This expiration is projected to cause substantial increases in health insurance premiums for Georgians in 2026, potentially leading to a rise in the state’s uninsured population.

“The expiration of these tax credits would likely have a significant impact on Georgians and healthcare providers, as many individuals would lose or opt out of coverage and move into an uninsured category,” the report states.

Preliminary analyses from health insurance companies, factoring in the absence of these subsidies, suggest that premiums in Georgia could increase by as much as 75% in 2026, according to research from the Kaiser Family Foundation. This situation underscores the vulnerability of a significant portion of the state’s population to changes in federal healthcare policy.

July 22, 2025 0 comments
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Health

Millions could face higher ACA premiums, lower subsidies: “There will be sticker shock

by Dr. Michael Lee – Health Editor July 18, 2025
written by Dr. Michael Lee – Health Editor

This article discusses the potential impact of the expiration of enhanced Affordable Care act (ACA) subsidies on health insurance premiums and enrollment. Here’s a breakdown of the key points:

Premium increases and Enrollment Drop:

Expiration of Enhanced Tax Credits: Insurers are already adding premium increases of around 4% to cover the expiration of enhanced tax credits.
Fear of Lower Enrollment: Insurers fear that these premium increases will lead to lower enrollment.
“Sicklier” Pool: If enrollment drops, insurers anticipate that those who remain will be less healthy, as healthier individuals are more likely to drop coverage. This would further raise costs for insurers.
Potential 57% Drop: New paperwork and requirements could lead to an ACA enrollment drop of as much as 57%.

Other factors Affecting Premiums:

Trump Governance Tariffs: Some insurers are also factoring in potential increases in drug costs due to trump administration tariffs, which could add another 3 percentage points to premiums.

Consumer Impact and Open Enrollment:

Late Fall Revelation: Consumers will learn their new premium prices late in the fall, just before open enrollment begins on November 1st.
shopping Around: Open enrollment is when consumers can compare plans and prices.

Congressional Action and Political considerations:

Ongoing Discussions: Congress is still discussing potential solutions, with some lawmakers consulting the Congressional budget Office (CBO) on the effects of various scenarios.
Middle Ground Possibilities: One idea is to allow subsidies for families earning up to five or six times the poverty level.
Pushback from Conservatives: Conservative think tanks argue that more generous subsidies have led to income fudging and fraud, such as unauthorized enrollment by brokers.
Reliance on Subsidies: However, many consumers, irrespective of political affiliation, have come to rely on the additional assistance.
Political Risk: Not extending the subsidies could be politically risky,as a notable portion of ACA enrollees (56% in 2024) live in Republican congressional districts,and 76% are in states won by Donald Trump.

Market Reshaping:

Dropping Coverage: Some peopel may drop their health insurance altogether.
Shift to Lower-Cost Plans: Others will switch to plans with lower premiums but higher deductibles.
Health Savings Accounts (HSAs): A provision in Trump’s tax law allows people in “bronze” or “catastrophic” ACA plans to qualify for HSAs, which offer tax-free savings for healthcare costs. This could encourage a migration to these cheaper plans.

Source Data:

The article cites KFF (Kaiser Family Foundation) and KFF Health News for its data and analysis.In essence, the article highlights a potential crisis in the ACA market, with rising premiums and declining enrollment looming due to the expiration of enhanced subsidies, coupled with other economic and policy factors. The political landscape is complex,with differing views on the role and cost of these subsidies.

July 18, 2025 0 comments
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