Implications of Continuous Eligibility Policies for Children’s Medicaid Enrollment Churn

Published: Dec 21, 2022

Summary and Key Takeaways

Provisions in an omnibus spending bill currently under consideration in Congress would require all states to adopt continuous eligibility for children in both Medicaid and the Children’s Health Insurance Program (CHIP) and would decouple the Medicaid continuous enrollment requirement from the public health emergency (PHE). States currently have the option to provide 12 months of continuous coverage for children in Medicaid and/or separate CHIP, and about half of states do so for all children in Medicaid. Although states may only renew coverage for children once per year, children may lose coverage before the renewal period on account of changes in circumstances or administrative procedures such as data checks. Current continuous eligibility policies for children in Medicaid allow a child to remain enrolled for a specific period of time unless the child ages out of coverage, moves out of state, voluntarily withdraws, or, in some cases, does not make premium payments. KFF analysis of the Centers for Medicare and Medicaid Services (CMS) Performance Indicator Project Data finds 37.8 million children were enrolled in Medicaid (including Medicaid expansion CHIP) as of August 2022, with about half of those children in states with 12-month continuous eligibility and about half in states without the policy.

This analysis uses Medicaid claims data to follow a cohort of children newly enrolled in Medicaid in July 2017 in states with and without 12-month continuous eligibility to examine how children’s enrollment in Medicaid changes over time and understand the effect of continuous eligibility policies. Key findings include the following:

  • The disenrollment rate was lower for children in states with 12-month continuous eligibility policies in the period before annual renewals. The percentage of children who disenrolled and then re-enrolled within the year (or “churned” in and out of Medicaid) was also lower in states with 12-month continuous eligibility (2.9%) compared to states without the policy (5.3%).
  • Following annual renewals, the cumulative disenrollment more than doubled – some of which is to be expected, with family income changes – but cumulative churn also more than doubled from 4.0% in month 12 to 10.5% in month 15, signaling many eligible children are losing coverage at their annual renewal. Churn and disenrollment rates increased sharply in states with and without 12-month continuous eligibility following annual renewal, though increases were larger in states without 12-month continuous eligibility.
  • While churn rates increased among all racial/ethnic groups following annual renewal, the increase was largest for Hispanic children, growing from 5.2% in month 12 to 12.5% in month 15.

Our findings indicate that 12-month continuous eligibility policies are effective tools to reduce Medicaid disenrollment and churn rates within the year. However, some children may still lose coverage at annual renewal regardless of state adoption of 12-month continuous eligibility, and multi-year continuous eligibility policies could help children maintain coverage beyond one year and keep children from losing coverage during the renewal process. These findings are particularly relevant to the current policy landscape with provisions in the omnibus spending bill. In addition, following approval in Oregon, other states are seeking waivers to provide Medicaid continuous eligibility for multiple years, especially for young children. Lastly, all states will be required to conduct renewals for all individuals on Medicaid when the Medicaid continuous enrollment requirement ends, and an estimated 5.3 million children could lose Medicaid/CHIP coverage during the unwinding period.

What is continuous eligibility?

Under current law states are required to renew coverage for most children in Medicaid and CHIP no more than once every 12 months, but children may lose coverage before the renewal period under certain circumstances. Even with an annual renewal process, states can redetermine eligibility due to a change in circumstance (such as an increase in family income) at any point during the year, and some states conduct data matches on a periodic basis to identify changes in circumstances between annual renewal periods. Children may be disenrolled at annual renewal for a variety of reasons, including because they are no longer eligible for the program or they experience barriers navigating the redetermination process despite remaining eligible. Children can also voluntarily withdraw at any point (often when they have another source of coverage).

Under current law, states have the option to provide 12-months of continuous coverage for children in Medicaid and/or separate CHIP. Continuous eligibility policies for children in Medicaid allow a child to remain enrolled for a specific period of time even if there are fluctuations in income. Continuous eligibility would not apply if a child ages out of coverage, moves out of state, voluntarily withdraws, or, in some cases, does not make premium payments, and children in states with 12-month continuous eligibility are still subjected to annual renewals. As of January 2022, 24 states provided 12-month continuous eligibility for all children in Medicaid, and KFF analysis of CMS Performance Indicator Project Data finds, among all children in Medicaid (including Medicaid expansion CHIP) as of August 2022, 19.3 million (or 51% of) children were in states with 12-month continuously eligibility and 18.5 million (or 49% of) children were in states without the policy.1 

The Families First Coronavirus Response Act (FFCRA) requires states to provide continuous Medicaid enrollment in exchange for enhanced federal matching funds during the pandemic. Under FFCRA, the continuous enrollment requirement is in effect through the end of the month in which the PHE ends. During this time, states have not been able to disenroll people from Medicaid; however, when the continuous enrollment requirement ends, all Medicaid enrollees will undergo the renewal process, and millions of people, including children, could lose coverage if they are no longer eligible or face administrative barriers during the process despite remaining eligible. The current PHE is in effect until January 11, 2023, and the Biden administration has said it will give states a 60-day notice before ending the PHE. Since that notice was not issued in November 2022, it is expected the PHE will be extended again.

Provisions in an omnibus spending bill currently under consideration in Congress would require all states to adopt continuous eligibility for children in both Medicaid and CHIP and would decouple the Medicaid continuous enrollment requirement from the PHE. Under this legislation, all states would be required to implement 12-months continuous eligibility for children beginning on January 1, 2024. In addition, the bill would terminate the Medicaid continuous enrollment requirement on March 31, 2023, and permit states to resume disenrollments beginning in April 2023. Enhanced federal funding would continue to be available to states that comply with requirements for redeterminations during the transition period, though the enhanced funding would phase down through December 2023.

Continuous eligibility policies have been shown to lower rates of churn. Churn occurs when individuals temporarily lose Medicaid coverage and disenroll and then re-enroll within a short period of time. Churn in Medicaid suggests that some children are disenrolled due to short-term changes in income or circumstances that made them temporarily ineligible or are disenrolled for procedural reasons because they were unable to complete the redetermination process. When individuals churn on and off coverage, they experience gaps in coverage that could limit access to care and lead to delays in getting needed care. Gaps in coverage can be especially problematic for young children who are recommended to receive frequent screenings and check-ups.

Oregon was the first state to receive waiver approval to implement continuous coverage for children beyond 12-months. To extend continuous eligibility for children for multiple years or for adults for 12 months or longer, states must use the Section 1115 waiver process. Oregon received approval of a Section 1115 waiver application in September 2022 to provide continuous eligibility for children in Medicaid from birth until age six as well as two years of continuous eligibility for all enrollees age six and older. Other states have proposals in development or pending CMS approval.

What is the effect of 12-month continuous eligibility?

Disenrollment rates were lower for children in states with 12-month continuous eligibility policies. In the months leading up to annual renewal, the percentage of children who were disenrolled was lower in states with 12-month continuous eligibility compared to states without. By month 12, the cumulative disenrollment rate was 9.9% in states with 12-month continuous eligibility compared to 14.0% in states without the policy (Figure 1). The percentage of children who disenrolled and then re-enrolled in Medicaid within a short time period (or “churned” in and out of Medicaid) was also lower in states with 12-month continuous eligibility policies. Among all children, in states with continuous eligibility, 2.9% churned compared with 5.3% in states without continuous eligibility (Figure 3). There may be other policy differences between states with and without continuous eligibility that also contribute to the variation in disenrollment and churns rates, but these are outside the scope of this analysis.

Cumulative Percent of Children Disenrolled from Medicaid in Each Month Following Initial Enrollment in States With and Without 12-Month Continuous Eligibility (CE) for Children

What happens to disenrollment and churn after 12-month renewals?

Among all states, the disenrollment rate more than doubled following annual renewal. The cumulative disenrollment rate increased from 11.8% in month 12 (prior to completion of the annual redetermination) to 29.2% in month 15 (after the annual redetermination was completed), a 17.4 percentage point increase (Figure 2). Children can be disenrolled at annual renewal for a number of reasons, including because they are no longer eligible for the program or they experience barriers navigating the redetermination process despite remaining eligible. While disenrollment rates increased in both states with and without 12-month continuous eligibility after month 12, disenrollment rates remained lower in states with 12-month continuous eligibility. This could be due to another period of 12-month continuous eligibility beginning as well as other differences in enrollment practices between states with and without continuous eligibility.

Cumulative Percent of Children Disenrolled from Medicaid in Each Month Following Initial Enrollment

The churn rate also more than doubled following annual renewal, suggesting many children may be disenrolled due to administrative barriers at their annual renewal. The cumulative churn rate increased from 4.0% in month 12 to 10.5% in month 15 (Figure 3). Churn rates sharply increased after month 12 for states with 12-month continuous eligibility and states without; however, the increase was smaller for states with 12-month continuous eligibility (5.2 percentage points) compared to those without (7.9 percentage points). High rates of churn indicate that children are losing coverage for procedural reasons or because of temporary fluctuations in income.

Cumulative Churn Rates Before and After Annual Renewal in States With and Without Continuous Eligibility for Children

While churn rates increased among all racial/ethnic groups following annual renewal, the increase was largest for Hispanic children. This suggests Hispanic children may be more likely to experience income volatility or be disenrolled for procedural reasons at annual renewal compared to children of other races (Figure 4). Even before annual renewals at month 12, Hispanic children had slightly higher cumulative churn (5.2%) compared to other groups, but the gap widened following annual renewal.

Cumulative Churn Rates Before and After Annual Renewal, by Race/Ethnicity

Excluding infants, churn rates were similar across age groups before renewal at month 12, and all age groups experienced a similar increase in churn following annual renewal. Infants had the lowest cumulative churn rate at month 12 (2.2%), but experienced a sharp increase following annual renewal, reaching 9.8% by month 15, which is similar to the cumulative churn rates for the other age groups (Figure 4).

Looking Ahead

12-month continuous eligibility policies are effective tools to reduce Medicaid disenrollment and churn rates within the year. This analysis confirms what other analyses have found and demonstrates state adoption of 12-month continuous eligibility can decrease churn within the year, reducing the impact of income volatility on families and limiting the share of eligible children disenrolled due to procedural issues. National churn rates could be reduced further if legislation currently being considered in Congress passes (as it is expected to) and the policy is required for all states. While this analysis cannot determine whether children no longer enrolled in Medicaid had another source of insurance coverage, it is likely that 12-month continuous eligibility would reduce the number of children who are uninsured. That would come with higher federal and state Medicaid spending.

Multi-year continuous eligibility policies could help children maintain coverage beyond one year and keep children from losing coverage during the renewal process. This analysis finds churn increases during annual renewal periods, indicating children may be losing coverage at that point for procedural reasons regardless of state 12-month continuous eligibility policy status. Recently, some states have taken action to extend continuous eligibility for children in Medicaid for multiple years. While Oregon was the first state to submit and receive approval to extend continuous eligibility for children in Medicaid from birth until age six, Washington has also submitted a waiver renewal application, which is still pending CMS approval. In addition, New Mexico recently closed their public comment period on a similar waiver renewal application, and California is expected to follow.

A multi-year continuous eligibility policy could also be a tool to reduce disparities in churn rates and promote health equity. This analysis found Hispanic children experienced the largest increase in churn following annual renewals. A multi-year continuous eligibility policy, like the one included in Oregon’s recent waiver approval, would keep children from birth to age six continuously enrolled and reduce the number of children disenrolled for procedural reasons or temporary income fluctuations at annual renewal. States are especially targeting infancy and early childhood for continuous eligibility policies because the first years of life are an important developmental period for children when they are recommended to receive frequent screenings and check-ups.

Our findings indicate disenrollment and churn rates for children increase substantially following annual renewal, which could have implications for the end of the PHE. A report from the Assistant Secretary for Planning and Evaluation (ASPE) estimated 5.3 million children would lose Medicaid/CHIP coverage when the PHE ends; of those expected to lose coverage, an estimated 72% are likely still eligible for Medicaid/CHIP. Further, some groups may be more at risk of losing coverage at the end of the PHE. Our findings indicate Hispanic children may be more likely to lose coverage at renewal for procedural reasons, and a previous KFF analysis found individuals with limited English proficiency were more likely to experience administrative barriers when completing Medicaid renewal processes. Efforts to conduct outreach and provide enrollment assistance can help ensure that those who remain eligible for Medicaid are able to retain coverage and those who are no longer eligible can transition to other sources of coverage.

Methods

Data Source & State Exclusion Criteria

KFF used the Transformed Medicaid Statistical Information System (T-MSIS) 2017-2019 Demographic Eligibility Base File and Dates Files (Release 1). We used BENE_ID to link files when available and, when BENE_ID was missing, we used MSIS_ID to link files (see the TMSIS User Guide for information on linking variables). We used the longitudinal files to track enrollment outcomes among children from July 2017 through December 2019.

We use 44 states in our main analysis and 30 states for analyses using race/ethnicity. We excluded states due to missing or inconsistent data based on state-level information available from the DQ Atlas (Appendix Table 1).

State

Enrollee Sample Selection

Our sample is comprised of a cohort of children who “newly enrolled” in Medicaid or Medicaid Expansion Children’s Health Programs (MCHIP) in July 2017 with full benefits for that month. We defined newly enrolled as those who were not enrolled in Medicaid for the four months prior to July 2017 and were continuously enrolled for the first four months, through October 31, 2017. The four-month minimum enrollment period excludes children who were enrolled under presumptive eligibility provisions, but never completed an application or were determined to be ineligible. We excluded children enrolled in separate CHIP programs (SCHIP) because some states provide continuous eligibility for Medicaid but not for SCHIP. We excluded children born before January 1, 2001 because they would have turned 19 during the study period and children’s continuous eligibility provisions generally extend through age 18. We also excluded children eligible through a medically needy pathway in July 2017 because continuous eligibility provisions generally would not apply to this group. Finally, we excluded children who died during the study period. Our final sample includes 419,888 Medicaid enrollees in our main analysis (of 44 states) and 267,382 enrollees in our race/ethnicity analysis (30 states).

Calculating Enrollment, Disenrollment, and Churn

To calculate enrollment patterns, we used the DE Dates file’s start and end dates on enrollment spans. Short enrollment gaps of 28 days or less can represent data reporting errors, so we merged the spans on either side of the gap into a single, continuous enrollment span. Nearly all enrollment spans in the TMSIS data begin on the first day of the month and end on the last day of the month, but there are some rare cases in which disenrollments fall in between the first and last day of the month. For people in those situations, we considered them enrolled for the month if they had at least 15 days of coverage. We calculated disenrollment rates as the percentage of children from the initial cohort who had disenrolled in a given month. We defined churn as people who disenrolled and re-enrolled within 365 days. The renewal process varies by state and can take up to 60 days to process; this analysis compares churn rates at month 12 (prior to completion of the annual redetermination) to month 15 (after the annual redetermination was completed) to capture the effect of annual renewals. When calculating disenrollment and churn, we did not account for changes in eligibility group or benefit levels (i.e., from full benefits to restricted benefits) during the study period.

  1. The Centers for Medicare and Medicaid Services (CMS) Performance Indicator Project Data reports total child enrollment in Medicaid and CHIP (Note: Arizona does not report children or adults separately and is not included in totals). To estimate Medicaid (including Medicaid expansion CHIP) enrollment only, we estimate the share of children in S-CHIP alone in each state using the CY 2019 Transformed Medicaid Statistical Information System (T-MSIS) Analytic Files (TAF) Research Identifiable Files (RIF). We calculate and subtract the number of children in S-CHIP from the PI data total child enrollment in August 2022. Then, we sum the Medicaid enrollment for all states with 12-month continuous eligibility in Medicaid and states without the policy. ↩︎

Global Health Funding in the FY 2023 Omnibus

Published: Dec 20, 2022

Updated on January 3, 2023

The FY 2023 Omnibus appropriations bill and accompanying reports, released by Congress on December 20, 2022, and signed by the President on December 29, 2022, includes funding for U.S. global health programs at the State Department, U.S. Agency for International Development (USAID), Centers for Disease Control and Prevention (CDC), and National Institutes of Health (NIH).[i] Funding provided to the State Department and USAID through the Global Health Programs (GHP) account, which represents the bulk of global health assistance, totals $10.6 billion, an increase of $731 million above the FY 2022 enacted level and $15 million below the FY 2023 request. The bill provides higher levels of funding for almost all program areas compared to the FY 2022 enacted level, with the Global Fund to Fight AIDS, Tuberculosis and Malaria (Global Fund) and global health security receiving the largest increases; funding for bilateral HIV and family planning and reproductive health (FPRH) remained flat. Funding for global health provided to the CDC totals $693 million, an increase of $46 million compared to the FY22 enacted level, but $55 million below the FY23 request. Funding for the Fogarty International Center (FIC) at the NIH totaled $95 million, $8 million above the FY22 enacted level and essentially flat compared to the FY23 request. See the table below for additional detail on global health funding in the FY 2023 omnibus (downloadable table here). See the KFF budget tracker for details on historical annual appropriations, including Senate and House amounts, for global health programs.

Table

KFF Analysis of Global Health Funding in the FY23 Omnibus

Department /
Agency / Area
FY22Finali
(millions)
FY23 Request (millions)FY23 Omnibusi (millions)Difference: FY23 Omnibus – FY22 FinalDifference: FY23 Omnibus – FY23 Request
State, Foreign Operations, and Related Programs (SFOPs) — Global Health
HIV/AIDSii –$4,700.0 – – –
State Department$4,390.0$4,370.0$4,395.0$5
(0.1%)
$25
(0.6%)
USAID$330.0$330.0$330.0$0
(0%)
$0
(0%)
of which Microbicides$45.0$45.0$45.0$0(0%)$0(0%)
ESF AccountNot specified$0.5Not specified – –
Global Fund$1,560.0$2,000.0$2,000.0$440
(28.2%)
$0
(0%)
Tuberculosisii$352.0 – 
Global Health Programs (GHP) account$371.1$350.0$394.5$23.5
(6.3%)
$44.5
(12.7%)
Economic Support Fund (ESF) accountNot specified$2.0Not specified –
Malaria$775.0$780.0$795.0$20
(2.6%)
$15
(1.9%)
Maternal & Child Health (MCH)ii$1,044.0 – –
GHP account$890.0$879.5$910.0$20
(2.2%)
$30.5
(3.5%)
of which Gavi$290.0$290.0$290.0$0
(0%)
$0
(0%)
of which Polio$75.0Not specified$85.0$10
(13.3%)
 –
UNICEFiii$139.0$135.5$142.0$3
(2.2%)
$6.5
(4.8%)
ESF accountNot specified$29.0Not specified –
of which PolioNot specified$0.0Not specified –
Nutritionii$161.0 – – –
GHP account$155.0$150.0$160.0$5
( 3.2%)
$10
(6.7%)
ESF accountNot specified$10.3Not specified
AEECA accountNot specified$0.8Not specified
Family Planning & Reproductive Health (FP/RH)iv$607.5$653.0$607.5$0
(0%)
$-45.5
(-7%)
Bilateral FP/RHiv$575.0$597.0$575.0$0
(0%)
$-22
(-3.7%)
GHP accountiv$524.0$572.0$524.0$0
(0%)
$-48.1
(-8.4%)
ESF accountiv$51.1$25.0$51.1$0
(0%)
$26.1
(104.2%)
UNFPAv$32.5$56.0$32.5$0
(0%)
$-23.5
(-42%)
Vulnerable Children$27.5$25.0$30.0$2.5
(9.1%)
$5
(20%)
Neglected Tropical Diseases (NTDs)$107.5$114.5$114.5$7
(6.5%)
$0
(0%)
Global Health Securityii –$1,003.8 – –
USAID GHP accountvi$700.0$745.0$900.0$200
(28.6%)
$155
(20.8%)
of which for the Coalition for Epidemic Preparedness Innovations (CEPI)$100.0
State GHP accountviiNot specified$250.0Not specified –
ESF accountNot specified$6.0Not specified – –
AEECA accountNot specified$2.8Not specified – –
Emergency Reserve Fundviiiixx – –
Health Resilience Fundxi –$10.0 – – –
Health Reserve Fundxii – –$8.0 – –
SFOPs Total (GHP account only)xiii$9,830.0$10,576.0$10,561.0$731
(7.4%)
$-15
(-0.1%)
Labor Health & Human Services (Labor HHS)
Centers for Disease Control & Prevention (CDC) – Total Global Health$646.8$747.8$692.8$46
(7.1%)
$-55
(-7.4%)
Global HIV/AIDS$128.9$128.4$128.9$0
(0%)
$0.5
(0.4%)
Global Tuberculosis$9.7$9.2$11.7$2
(20.6%)
$2.5
(27.1%)
Global Immunization$228.0$226.0$230.0$2
(0.9%)
$4
(1.8%)
Polio$178.0$176.0$180.0$2
(1.1%)
$4
(2.3%)
Other Global Vaccines/Measles$50.0$50.0$50.0$0
(0%)
$0
(0%)
Parasitic Diseases$27.0$31.0$29.0$2
(7.4%)
$-2
(-6.5%)
Global Public Health Protection$253.2$353.2$293.2$40
(15.8%)
$-60
(-17%)
Global Disease Detection and Emergency ResponseNot specifiedNot specifiedNot specified – –
of which Global Health Security (GHS)Not specifiedNot specifiedNot specified – –
Global Public Health Capacity DevelopmentNot specifiedNot specifiedNot specified –
National Institutes of Health (NIH) – Total Global Health$954.0 – – –
HIV/AIDS$628.1$614.8Not specified – –
Malaria$239.0Not specifiedNot specified – –
Fogarty International Center (FIC)$86.9$95.8$95.2$8.3
(9.5%)
$-0.6
(-0.7%)
Labor HHS Total$1,600.8Not yet knownNot yet known – –
Notes:
i — The FY22 Final bill includes a provision giving the Secretary of State the ability to transfer up to $200,000,000 from the ‘Global Health Programs’, ‘Development Assistance’, ‘International Disaster Assistance’, ‘Complex Crises Fund’, ‘Economic Support Fund’, ‘Democracy Fund’, ‘Assistance for Europe, Eurasia and Central Asia’, ‘Migration and Refugee Assistance’, and ‘Millennium Challenge Corporation’ accounts “to respond to a Public Health Emergency of International Concern.”
ii — Some HIV, tuberculosis, MCH, nutrition funding, and global health security funding is provided under the ESF and AEECA accounts, which is not earmarked by Congress in the annual appropriations bills and is determined at the agency level.
iii — UNICEF funding in the FY22 Final bill includes an earmark of $5 million for programs addressing female genital mutilation.
iv — The FY22 Final and FY23 Omnibus bills state that “not less than $575,000,000 should be made available for family planning/reproductive health.”
v — The FY22 Final and FY23 Omnibus bills state that if this funding is not provided to UNFPA it “shall be transferred to the ‘Global Health Programs’ account and shall be made available for family planning, maternal, and reproductive health activities.”
vi — According to the Department of State, Foreign Operations, and Related Programs FY23 Congressional Budget Justification, $250 million of this funding is “for contributions to support multilateral initiatives leading the global COVID response through the Act-Accelerator platform.”
vii — According to the Department of State, Foreign Operations, and Related Programs FY23 Congressional Budget Justification, this funding is “to support a new health security financing mechanism, being developed alongside U.S. partners and allies, to ensure global readiness to respond to the next outbreak.”
viii — The FY22 Final bill states that “up to $100,000,000 of the funds made available under the heading ‘Global Health Programs’ may be made available for the Emergency Reserve Fund.”
ix — The FY23 Request states that “this request includes $90.0 million in non-expiring funds to replenish the Emergency Reserve Fund to ensure that USAID can quickly and effectively respond to emerging infectious disease outbreaks posing severe threats to human health.”
x — The FY23 Omnibus states that “up to $90,000,000 of the funds made available under the heading ‘Global Health Programs’ may be made available for the Emergency Reserve Fund.”
xi — The FY23 Request states that the Health Resilience Fund (HRF) “will support cross-cutting health systems strengthening in challenging environments or countries emerging from crisis.”
xii — The explanatory statement accompanying the FY23 Omnibus states that these funds are “to support cross-cutting health activities, including health service delivery, the health workforce, health information systems, access to essential medicines, health systems financing, and governance, in challenging environments and countries in crisis.”
xiii — The FY22 Final bill “includes $100,000,000 for a U.S. contribution to support a multilateral vaccine development partnership for epidemic preparedness innovations.”

Resources:

  • “Consolidated Appropriations Act, 2023” – Bill Text
  • FY2023 Department of State, Foreign Operations, and Related Programs (SFOPs) Appropriations – Explanatory Statement
  • FY2023 Department of Labor, Health and Human Services, and Education, and Related Agencies (Labor HHS) Appropriations – Explanatory Statement

[i] Total funding for global health is not currently available as some funding provided through USAID, NIH, and DoD is not yet available.

Poll Finding

KFF Health Tracking Poll December 2022: The Public’s Health Care Priorities For The New Congress

Published: Dec 20, 2022

Findings

Key Findings:

  • With the rising cost of living at the top of the public’s mind, the latest KFF Health Tracking poll finds that the public wants lawmakers to prioritize the economy and combatting inflation in the upcoming Congressional term. When asked specifically about health care priorities for Congress, passing a law to make health care costs more transparent to patients tops the list, with 60% calling this a top priority. And nearly three years into the pandemic and at a time when government COVID-19 funding may come to an end, three in ten (31%) say Congress should prioritize continuing funding for COVID-19 vaccines and treatment.
  • In the wake of the Dobbs decision overturning Roe v. Wade, President Biden pledged that the first bill he would send to the new Congress would be one to protect abortion rights. And though such a bill has little chance of passing in a divided Congress, this month’s KFF Health Tracking poll finds that two in three adults (65%) say passing a law to make abortion legal in all states is important, including four in ten (42%) who say it should be a top priority for Congress. Majorities across key groups say legalizing abortion nationwide should be a top priority for Congress, including Democrats and those who lean toward the party (66%), adults under 30 (58%), women under 50 (58%), and Black adults (55%). However, about one in four (26%) of the public overall and about half (49%) of Republicans and Republican-leaning independents say codifying the right to abortion nationwide is something Congress should not
  • Worries about rising prices are widespread among the public and health care costs are no exception. Nine in ten (91%) say they are concerned about increases in health care costs for individuals, including six in ten who say they are very concerned, nearly double the share who say they are very concerned about increases in government insurance programs like Medicare and Medicaid (34%) or about increases in health care costs paid by employers (31%). About half (48%) of the public say they are very worried about increases in health care costs for the nation as a whole.
  • Although there is great concern among the public about increases in health care costs, many have false impressions about where most U.S. health care money is spent. When asked where they think most health care spending goes, the most frequent answer given by the public is prescription drugs (36%), followed by hospitals (30%), long-term care (19%), and physician services (11%). Analyses of overall national health spending in 2020 found that the largest share of the U.S. health care dollar is spent on hospitals, while physicians/clinics and prescription drugs account for a smaller share of national health expenditures.
  • The costs associated with mental health care are another area where the public wants Congress to take action. Majorities say it should be a top priority for Congress to strengthen mental health parity laws (54%) and to increase funding for access to mental health services (51%). And, nearly eight in ten (79%) adults say that health insurance companies not covering mental health services like they do physical health is a big problem for mental health in the U.S., while a similar share (77%) say the same about the cost of mental health care.
  • Four months after the signing of the Inflation Reduction Act (IRA), at least seven in ten say they support each of the health care provisions polled, all of which aim to reduce patient costs. Support is highest for the provisions that aim to reduce costs for people on Medicare, such as capping monthly costs for prescription drugs, insulin, and allowing the government to negotiate for the price of prescription drugs. This includes majorities across partisans, though the majority that supports extending Affordable Care Act subsidies under the ACA is notably smaller among Republicans than among Democrats (54% vs. 90%).

The Public’s Top Priorities For The New Congress: Focusing On The Economy And Reducing Health Care Costs

Just as KFF analysis of APVotecast data found that inflation was the top factor motivating voters in midterm elections, the December KFF Health Tracking Poll finds that the economy and inflation is the public’s top issue for Congress in its upcoming term. More than one in three (37%) adults cite economic concerns when asked in their own words what should be the top priority for Congress in its new session next year, including 28% who mention inflation specifically.

Health care (including health care costs) is the second-most frequently mentioned priority by the public (9%), followed by immigration (8%). Other priorities were mentioned by smaller shares of adults, such as abortion and reproductive (5%), guns, crime and safety (4%), climate change, the environment, and global warming (3%), and democracy and election and voting reform (3%).

Economic Concerns Top The Public’s List Of Priorities For The New Congress

While the economy is the most frequently mentioned topic regardless of partisanship, Republicans and those who lean toward the party are twice as likely to name economic concerns as a top Congressional priority than are Democrats and Democratic leaners (50% vs. 26%). Beyond the economy and inflation, partisans differ somewhat in what they think Congress should prioritize in its new term. Among Democrats and those who lean toward the party, health care and health care affordability is the second most frequently mentioned topic (13%), while immigration is the second most frequently raised issue among Republicans and those who lean Republican (12%). A number of other priorities are named by at least 5% of Democrats, including abortion and reproductive rights; guns, crime and safety; democracy and election and voting reform; and climate change. Much smaller shares of Republicans mention each of these priorities.

Partisans Prioritize Economic Concerns Most, But Differ Across Other Top Concerns For New Congress

HEALTH CARE PRIORITIES FOR THE NEW CONGRESS

When asked specifically about health care priorities that Congress could take on next term, the public sees many as important for Congress to tackle. While recent regulations have sought to improve both price transparency and mental health care access, both of these issues are at the top of the public’s priority list for Congress. A large majority (95%) of the public say it is important for Congress to pass a law to make health care costs more transparent to patients, including 60% who call this a top priority.

On mental health, large shares say Congress should prioritize strengthening requirements to make health insurance plans cover mental health as they do physical health (91% important, including 54% top priority), as well as increasing funding for access to mental health services (92% important, 51% top priority). Another mental health priority, increasing funding to expand treatment programs for opioid addiction, is seen as important by about eight in ten adults (79%), but fewer (30%) say it should be a top priority for Congress.

Two policies related to women’s health are also seen as important areas for Congressional action by majorities of the public. About two-thirds (65%) say it is important for Congress to pass a law to make abortion legal in all states, including 42% who call this a top priority. Three-quarters (75%) also say it’s important for Congress to pass a law that requires states to continue coverage for 12 months after childbirth for pregnant people on Medicaid, including 35% who say this should be a top priority.

The Biden Administration recently announced that barring further Congressional action, the government will no longer fund the purchase of COVID-19 vaccines, which would likely increase spending on vaccines by billions of dollars a year according to an analysis by KFF. While seven in ten say continuing funding for COVID-19 vaccines is important for Congress to do, it ranks lower on the public’s priority list, with three in ten (31%) saying it should be a top priority.

Rounding out the list of health care priorities for the new Congress, seven in ten adults say it’s important for Congress to pass a law providing expanded access to telehealth services, though just two in ten call this a top priority. The relatively lower ranking of this issue may reflect the decline in the use of telehealth for outpatient visits, which peaked at 13% between March and August of 2020 according to KFF analysis.

Large Majorities Support Health Care Price Transparency And Mental Health Initiatives

On nearly all of these issues, women, Democrats, and those with lower incomes are more likely to see each of these as priorities for Congress.

Price Transparency And Mental Health Care Expenses Top Health Care Priorities For Congress

Majorities across key demographics say PROTECTING ABORTION ACCESS is IMPORTANT for new congress

As KFF analysis of AP VoteCast data has shown, the overturn of Roe v. Wade this summer  played an outsize role in shaping the minds of many voters in the recent midterm election. Now, looking ahead to the new Congressional term, about two-thirds (65%) of the public say passing a law to make abortion legal in all states is an important thing for Congress to do in its new term, including 42% who say it should be a top priority.

On this topic, 50% of women say it should be a top priority compared to one third (33%) of men. And Democrats and those who lean toward the party are about four times more likely than Republicans and those who lean Republican (66% vs. 17%) to say Congress should prioritize legalizing abortion nationwide. Notably, 26% of the public overall, including about half (49%) of Republicans and Republican leaners say that legalizing abortion is something Congress should not do.

About half of voters age 18-29 and women voters ages 18-49 said in November’s KFF/AP VoteCast poll that the Supreme Court overturning Roe v. Wade had a major impact on their decision about whether to vote in the midterm election, and a similar share said it also had a major impact on which candidates they supported in the election. This month’s KFF Health Tracking Poll finds majorities among these groups say legalizing abortion nationwide should be a top for the new Congress. Nearly six in ten adults under 30 (58%) and women under 50 (58%) say passing a law to legalize abortion in all states is a top priority, while similar shares of Black adults (55%) say the same.

Two In Three Favor Nationwide Abortion Protections, With Support Higher Among Key Groups

Another policy affecting women’s access to health care, passing a law that requires states to continue coverage for 12 months after childbirth for pregnant people on Medicaid, is seen as important by three-quarters of the public (75%). Fewer (35%) see this as a top priority for Congress, though the share who say it is a top priority rises to 50% for Democrats and those who lean Democratic and 41% for women. About one in two (51%) adults under 30 say passing a law to continue Medicaid coverage for 12 months postpartum is a top Congressional priority, while only about one in four (23%) adults 50 and older say the same. Majorities of women 18-49 (54%), Black adults (54%), and about half (49%) of Hispanic adults also say expanding postpartum Medicaid coverage should be a top priority for the new Congress. Currently, expansion of Medicaid coverage for 12 months after childbirth is optional for states, and about two thirds of states have implemented or plan to implement such coverage.1 

Three In Four Adults Favor Extending Medicaid Coverage For 12 Months After Childbirth

Concerns About Health Care Costs And National Health Care Expenditures

Just as the economy, inflation, and health care are at the top of the public’s priority list for the new Congress, when asked directly about increases in health care costs the public is concerned.  About nine in ten (91%) say they are concerned about increases in the amount individuals pay for health care, including six in ten (60%) who say they are “very” concerned. About eight in ten (83%) say they are concerned about increases in what the nation as a whole spends on health care, including nearly half (48%) who say they are “very” concerned. The public is somewhat less concerned about increases in spending when it comes to increases in costs borne by the government and employers. Around three in ten say they are “very” concerned about increases in spending on government health insurance programs like Medicare and Medicaid (34%), or the amount employers pay for their employees’ health care (31%).

Majorities Express Concern Over Health Care Spending In The U.S.,  With Particular Concern About Individuals' Spending

MANY SAY most health care spending is on prescription drugs, followed by hospitals

While the public is greatly concerned about increases in health care costs, many harbor misconceptions about where most of the U.S. health care dollar is spent. When asked about where they think most of health care spending by government and individuals goes, the most frequent answer given by the public is prescription drugs (36%), followed by hospitals (30%). About one in five adults say long-term care (19%) is where most money is spent, and about one in ten (11%) say physician services.

While it is true that the U.S. spends significantly more on prescription drugs than  other comparatively wealthy nations on average according to the Peterson-KFF Health System Tracker, analyses of overall national health spending found that hospitals represented nearly a third (31%) of spending, while physicians/clinics accounted for one fifth (20%) and prescription drugs a further 8%.

Prescription Drugs Thought To Be The Highest Spend Category In U.S. Health Care, With Hospitals A Close Second

Majorities Cite Lack Of Health Insurance Coverage And Costs As Key Concerns For Mental Health Care In The U.S.

Expense and overall costs also emerge as key issues when it comes to the public’s concerns about mental health in the United States. Similar to the shares found in an in-depth survey of mental health KFF conducted with CNN in July-August of this year, the latest KFF Health Tracking Poll finds that majorities say each of the items polled are big problems when thinking about mental health in the U.S. About eight in ten (79%) adults say that health insurance companies not covering mental health services like they do physical health is a big problem, while a similar share (77%) say the same about the cost of mental health care.

Beyond these expense-related problems, about two in three adults say stigma or shame associated with mental health is a big problem (66%), and a similar share (68%) say it is a big problem that there are not enough health care providers, such as therapists or counselors.

Women and those who report having a mental health condition are more likely to say each of these issues polled are a big problem when it comes to mental health in the U.S. than were men and those who do not report having a mental health condition.

Expense And Access Identified As Top Problems For Mental Health In The U.S.

Majorities Support Key Health Care Provisions Of The Inflation Reduction Act

Four months after President Joe Biden signed the Inflation Reduction Act (IRA) into law, most adults (71%) say they have read or heard at least a little about the law, though relatively few (13%) say they have heard “a lot.”

When asked about some specific health care components of the IRA, majorities of the public are in support. More than eight in ten adults support capping monthly-out-of-pocket costs for insulin for people with Medicare (84%) as well as placing a limit on out-of-pocket prescription drug costs for people with Medicare (82%). A similar share (81%) supports authorizing the federal government to negotiate the price of some prescription drugs for people with Medicare. And although the law was passed along party lines with all Democratic representatives in favor and no supporting Republican votes, large majorities across partisans in the public say they are in support of each of these provisions.

In addition to the Medicare provisions of the IRA, there is also strong support for the provision that extends financial subsidies for people who purchase health coverage through the Affordable Care Act marketplace. About seven in ten (72%) adults support this component of the law, though there is a strong partisan divide. The vast majority of Democrats and those who lean toward the party support this measure compared to a smaller majority of their Republican (90% v. 54%).

Strong Support For IRA Health Care Provisions, Especially Those That Reduce Costs For People With Medicare

Methodology

This KFF Health Tracking Poll/COVID-19 Vaccine Monitor Poll was designed and analyzed by public opinion researchers at the Kaiser Family Foundation (KFF). The survey was conducted November 29 – December 8, 2022, online and by telephone among a nationally representative sample of 1,259 U.S. adults in English (1,203) and in Spanish (56). The sample includes 1,029 adults reached through the SSRS Opinion Panel[1] either online or over the phone (n=32 in Spanish). The SSRS Opinion Panel is a nationally representative probability-based panel where panel members are recruited randomly in one of two ways: (a) Through invitations mailed to respondents randomly sampled from an Address-Based Sample (ABS) provided by Marketing Systems Groups (MSG) through the U.S. Postal Service’s Computerized Delivery Sequence (CDS); (b) from a dual-frame random digit dial (RDD) sample provided by MSG. For the online panel component, invitations were sent to panel members by email followed by up to three reminder emails. 1,004 panel members completed the survey online and panel members who do not use the internet were reached by phone (n=25).

Another 230 (n=24 in Spanish) interviews were conducted from a random digit dial telephone sample of prepaid cell phone numbers obtained through MSG. Phone numbers used for the prepaid cell phone component were randomly generated from a cell phone sampling frame with disproportionate stratification aimed at reaching Hispanic and non-Hispanic Black respondents. Stratification was based on incidence of the race/ethnicity groups within each frame.  Respondents in the phone samples received a $15 incentive via a check received by mail, and web respondents received a $5 electronic gift card incentive (some harder-to-reach groups received a $10 electronic gift card).

The online questionnaire included two questions designed to establish that respondents were paying attention. Cases that failed both attention check questions, those with over 30% item non-response, and cases with a length less than one quarter of the mean length by mode were flagged and reviewed. Cases were removed from the data if they failed two or more of these quality checks. Based on this criterion, one case was removed.

The combined cell phone and panel samples were weighted to match the sample’s demographics to the national U.S. adult population using data from the Census Bureau’s 2021 Current Population Survey (CPS). Weighting parameters included sex, age, education, race/ethnicity, region, and education. The sample was weighted to match patterns of civic engagement from the September 2017 Volunteering and Civic Life Supplement data from the CPS and to match frequency of internet use from the National Public Opinion Reference Survey (NPORS) for Pew Research Center.  Finally, the sample was weighted to match patterns of political party identification based on a parameter derived from recent ABS polls conducted by SSRS polls. The weights take into account differences in the probability of selection for each sample type (prepaid cell phone and panel). This includes adjustment for the sample design and geographic stratification of the cell phone sample, within household probability of selection, and the design of the panel-recruitment procedure.

The margin of sampling error including the design effect for the full sample is plus or minus 4 percentage points. Numbers of respondents and margins of sampling error for key subgroups are shown in the table below. For results based on other subgroups, the margin of sampling error may be higher. Sample sizes and margins of sampling error for other subgroups are available by request. Sampling error is only one of many potential sources of error and there may be other unmeasured error in this or any other public opinion poll. Kaiser Family Foundation public opinion and survey research is a charter member of the Transparency Initiative of the American Association for Public Opinion Research.

GroupN (unweighted)M.O.S.E.
Total1,259± 4 percentage points
Race/Ethnicity
White, non-Hispanic771± 5 percentage points
Black, non-Hispanic190± 10 percentage points
Hispanic226± 9 percentage points
 
Party identification
Democrat463± 6 percentage points
Republican327± 7 percentage points
Independent297± 8 percentage points
Democrats/Democratic-leaning independents620± 5 percentage points
Republicans/Republican-leaning independents454± 6 percentage points
Parents
Total parents377± 7 percentage points
Parent with a child ages 6 months through 4 years old133± 11 percentage points
Parent with a child ages 5-11201± 9 percentage points
Parent with a child ages 12-17193± 10 percentage points

[1] https://ssrs.com/opinion-panel/

 

Endnotes

  1. Data as of December 8, 2022. ↩︎
News Release

Large Shares of Women Report Needing Mental Health Services but Many Don’t Get Them

Published: Dec 20, 2022

An analysis of 2022 KFF Women’s Health Survey (WHS) data finds that although large shares of women report needing mental health services over the past two years, a significant percentage did not access services they felt they needed. Fifty percent of women ages 18-64 say they needed mental health services in the past two years (including 64% of women ages 18-25), but only half of these women obtained an appointment, which may suggest unmet mental health care needs.

Among those who felt they needed care, one in ten (10%) tried to get care but were unable to make an appointment for mental health services. Another 40% did not try to get mental health services even though they say they needed them.

Research has documented the challenges some consumers with health insurance face when finding in-network care. In fact, two in ten privately insured women with a mental health appointment in the past two years say their provider did not accept their insurance.

The country also faces a workforce shortage of behavioral health professionals in addition to other affordability challenges with health care infrastructure that impede accessibility. Among the one in six women who say they needed and sought mental health care services but were unable to get an appointment (16%), one-third say the main reasons they were unable to get an appointment were that they could not find a provider that was accepting new patients (33%) or that they could not afford the cost of mental health services (33%).

Conducted periodically since 2001, the 2022 KFF Women’s Health Survey (WHS) includes a nationally representative sample of 5,145 women and 1,225 men ages 18-64 conducted primarily online from May 10, 2022, to June 7, 2022. Our analyses present the state of health services access and utilization among women and men by income, race and ethnicity, insurance status, and other demographic characteristics.

Review “Access and Coverage for Mental Health Care” and explore “Experiences with Health Care Access, Cost, and Coverage,” which presents findings from the 2022 KFF WHS on women’s health status, use of health care services including telehealth, and costs.

Access and Coverage for Mental Health Care: Findings from the 2022 KFF Women’s Health Survey

Published: Dec 20, 2022

Issue Brief

Key Takeaways

  • A significantly higher share of women (50%) than men (35%) thought they needed mental health services in the past two years. Among those who thought they needed mental health care, about six in ten women and men sought care in the past two years.
  • Nearly two-thirds of young women ages 18-25 report needing mental health care in the past two years compared to one-third of women ages 50-64.
  • Among all women ages 18-64 who thought they needed mental health services in the past two years, just half tried and were able to get an appointment for mental health care, 10% tried but were unable to get an appointment, and 40% did not seek care.
  • Almost half of women who needed mental health services and tried to get care were able to get an appointment within a month, but more than one-third of women had to wait more than a month. Among those who could not get an appointment, women cite limited provider availability and cost as the main reasons they were unable to access mental health care.
  • Two in ten privately insured women with a mental health appointment in the past two years say their provider did not accept their insurance.
  • Sixty percent of women had a telemedicine/telehealth visit in the past two years. Mental health care was the third most common reason women cited for accessing telehealth/telemedicine services, with 17% saying it was the primary purpose of their most recent telemedicine visit. The majority report that the quality of their telehealth visit was the same as an in-person visit.

Introduction

Mental health has emerged as a rapidly growing concern in recent years, with 90% of Americans saying there is a mental health crisis in a recent KFF-CNN poll. Women experience several mental health conditions more commonly than men, and some also experience mental health disorders that are unique to women, such as perinatal depression and premenstrual dysphoric disorders that may occur when hormone levels change. Data from the National Center for Health Statistics show that across all age groups, women were almost twice as likely to have depression and anxiety than men. The COVID-19 pandemic, the opioid epidemic, and racism are among commonly cited stressors that have exacerbated long-standing mental health issues and prompted growing demand for mental health services in the past two years, particularly among women.

This brief provides new data from the 2022 KFF Women’s Health Survey (WHS), a nationally representative survey of 5,145 women and 1,225 men ages 18-64 conducted primarily online from May 10, 2022, to June 7, 2022. In addition to several topics related to reproductive health and well-being, the survey asked respondents about their experiences accessing mental health services in the past two years. This issue brief presents KFF WHS data on mental health services access among self-identified women and men ages 18-64, and it also takes a closer look at mental health coverage among women. People of all genders, including non-binary people, were asked these questions; however, there are insufficient data to report on non-cisgendered people. See the Methodology section for details.

Utilization of Mental Health Services

Gender Differences

Half of women ages 18-64 (50%) thought they needed mental health services in the past two years (Figure 1) and a significantly smaller share of men report they needed mental health care (35%).  Studies have long documented gender disparities in the rates and types of mental health conditions. Among those who thought they needed care, however, similar rates of women and men report seeking care. Sixty percent of women tried to make an appointment for mental health compared to 56% of men.

A Higher Share of Women Than Men Report Needing Mental Health Services0

Need and Care Seeking

Nearly two thirds (64%) of women ages 18-25 thought they needed mental health services at some point in the past two years compared to just 35% of women ages 50-64 (Figure 2). Previous findings from the 2020 KFF WHS revealed that more than half of women (51%) said that worry or stress related to the coronavirus had affected their mental health. Other studies show that young adults, particularly women, experienced high incidence of depression and loneliness during the early stages of the pandemic.

More than half of women with low incomes (< 200% of the federal poverty level (FPL)) (55%) and women with Medicaid coverage (58%) thought they needed mental health care in the past two years compared to less than half (47%) of women with higher incomes (≥ 200% FPL) and those with private insurance (includes employer-sponsored insurance and individually purchased insurance) (47%). The FPL in 2022 for an individual is $13,590 (Figure 2).

Over Half of Young Women and Women with Low Incomes Report the Need for Mental Health Care

Among those who thought they needed mental health care, larger shares of women ages 26-35 (63%) and women ages 36-49 (64%) sought care compared to 55% of women ages 50-64. Larger shares of women enrolled in Medicaid (67%) sought mental health services compared to women who have private insurance (58%) and women who are uninsured (50%) (Figure 3).

A significantly lower share of Asian/Pacific Islander women (40%) say they needed mental health services at some point in the past two years than their White counterparts (50%). Although not statistically significant, smaller shares of Asian/Pacific Islander women report seeking care compared to White women (50% vs. 62%). While the pandemic fueled violence against Asians and subsequently worsened anxiety and mental health for many, studies have shown that Asians reported greater cultural barriers to help-seeking such as family stigma and concerns about “losing face.” Cultural barriers may influence perceived need of care in addition to help-seeking behaviors.

Although the self-reported need for mental health care did not differ between Hispanic and White women (both 50%), smaller shares of Hispanic women (56%) sought care compared to White women (62%). Despite high rates of depression among Hispanic women, studies have shown that stigma and perceived discrimination in health care settings can contribute to underutilization of mental health services within Hispanic communities. Hispanic women also have the highest uninsured rate, which may limit their access to care.

Among Those Who Needed Care, Larger Shares of Women Who Were Younger and Covered by Medicaid Sought Mental Health Care

Among the 50% of women who thought they needed mental health services, half (50%) were able to get an appointment, while another 40% did not try to get mental health services (Figure 4). One in ten (10%) who tried to get care were unable to make an appointment for mental health services. This suggests that the other half of women who report needing care may have unmet mental health needs.

Among Women Who Thought They Needed Mental Health Care in the Past Two Years, Half Were Able to Get an Appointment for Care

Among all women who thought they needed mental health care and tried to get it in the past two years, nearly half (47%) had to wait less than a month for an appointment (Figure 5). One-quarter (24%) had to wait one to two months, and 13% had to wait more than two months to get care. The remaining 16% of those who sought mental health care could not get an appointment.

Among the 16% of women who needed care, sought care, and were unable to get an appointment for mental health services, the main reasons were limited provider availability and cost barriers. One-third of women who could not get an appointment say the main reasons were that they could not find a provider that was accepting new patients (33%) or that they could not afford the cost of mental health services (33%). Eight percent could not get an appointment in a reasonable amount of time and six percent say they could not find a provider nearby. Another 6% say they could not get an appointment for another reason, such as not wanting to go in-person due to COVID-19.

Our findings on provider availability are consistent with other studies on mental health access. A report from the U.S. Government Accountability Office found that many consumers with health insurance faced challenges finding in-network care. The country also faces a workforce shortage of behavioral health professionals in addition to other challenges with health care infrastructure that exacerbates issues with accessibility.

Figure 5: Women Were Unable to Access Mental Health Care Largely Due to Cost Barriers and Limited Provider Availability

Cost and Coverage for Mental Health Services

Among those who sought care but could not get an appointment, one-third (33%) say the main reason was that they could not afford it (Figure 5). Cost remains a barrier to mental health care access for some people with insurance and especially for those who lack coverage. Significantly larger shares of women who are uninsured (60%) say they could not get an appointment due to affordability reasons, compared to those who have health insurance either through private plans (33%) or Medicaid (30%) (Figure 6). There were no significant differences between women who have private insurance and women covered by Medicaid.

These findings on cost barriers are consistent with current literature, which has found that along with provider availability, affordability is one of the most prevalent barriers to mental health care.

Among Women Who Could Not Get an Appointment for Mental Health Services, One-Third Cite Cost as the Barrier

While federal laws require special insurance protections such as parity for mental health care, gaps in coverage remain. All state Medicaid programs provide coverage for mental health services, and the Affordable Care Act (ACA) requires most private insurers to cover mental health care. However, the scope of coverage varies, provider networks are limited in many plans, and mental health providers may not accept all insurance plans. Some mental health practitioners do not accept insurance of any kind.

While most privately insured women who received mental health services in the past two years say their provider accepted their insurance for their most recent mental health visit (81%), two in ten (19%) say their provider did not. Among privately insured women who said their provider accepted their insurance, more than half report having out-of-pocket expenses for their most recent mental health visit. More than one-third (36%) say their insurance covered the full cost and 52% say their insurance covered some of the cost. Three percent say their insurance did not cover any of the cost. (Figure 7).

Figure 7: Two in Ten Privately Insured Women Who Got Mental Health Care Say Their Provider Did Not Accept Their Insurance

The Affordable Care Act requires that enrollees in most private health insurance plans have the right to appeal denied claims, though some evidence suggests that many are unfamiliar with appeals processes or are unaware of this protection. Among privately insured women whose insurance was not accepted by their mental health provider, 27% filed a claim with the health insurance plan to try to get reimbursed for some or all the cost (data not shown).

Telehealth

Social distancing during the pandemic contributed to a sharp increase in the provision of telehealth services, widening the access of counseling, therapy, prescribing, and other services via remote methods such as video and telephone. The rapid expansion of telemedicine/telehealth over the course of the COVID-19 pandemic has broadened access to health care for many, including access to mental health services. Mental health services provided via telehealth include speaking to a mental health provider over telephone or video, or through online apps such as Talkspace.

Sixty percent of women ages 18-64 had a telemedicine/telehealth visit in the past two years. Among these women, 17% say the primary purpose of their most recent visit was for mental health services (Figure 8). Accessing mental health care services was the third most common reason for telehealth visits, following annual check-ups (18%) and visits for minor illness or injury (18%). Three in ten women ages 18-25 (29%) say their most recent telehealth visit was for mental health services compared to 20% of women ages 26 to 35, 18% of women ages 36 to 49, and 10% of women ages 50 to 64 and older. A larger share of White women (21%) obtained mental health services at their most recent telehealth visit than Black women (13%), Hispanic women (14%), and Asian/Pacific Islander women (7%).

A larger share of women with Medicaid coverage (22%) report that their most recent telemedicine or telehealth visit was for mental health services than women who are privately insured (15%).

A similar share of women living in rural (23%) and urban/suburban (17%) areas report that the primary purpose of their most recent telehealth or telemedicine visit was for mental health services.

Nearly One-in-five Telehealth Users Accessed Mental Health Services at Their Most Recent Visit

The majority (69%) of women who had a telehealth or telemedicine visit in the past two years for mental health care say the quality of care they received at their most recent visit was the same as an in-person visit for this type of care (Figure 9). One-in-five (19%) report receiving better quality of care during their telehealth visit, while 12% report experiencing worse quality than an in-person visit. These findings suggest the quality of mental health care is typically not diminished when accessing care via telehealth.

Most Women Rate the Quality of Their Telehealth Visit as Comparable to Their In-Person Mental Health Visit

Conclusion

The demand for mental health care continues to surge as wait lists for professional help grow. Recent reports reveal that mental health providers across the nation are facing an overwhelming demand for services, leaving many individuals without care. Our survey finds that among the half of women who report that they thought they needed mental health services in the past two years, only half got an appointment for care. Unmet mental health needs are known to affect the overall well-being and productivity of individuals, families, and society, and studies have consistently shown that women are disproportionately affected by these unmet needs. Data from the 2022 KFF WHS underscore that addressing issues with provider availability and cost could improve access to mental health care for some. Our findings suggest that affordability barriers are a substantial obstacle for uninsured women.

In response to the COVID-19 pandemic and other changes in the health policy environment, larger shares of employers began expanding coverage of mental health services by including more providers for in-person and telehealth care. Telehealth and telemedicine services have been recognized as an evolving strategy to increase access to care and address health needs, including care for mental health. We found that most women who received mental health services via telehealth say the quality of care they received was the same as in-person care. Telehealth has and likely will continue to play a role in addressing mental health access concerns for women.

Despite federal and state laws intended to expand and strengthen coverage for mental health care, gaps in coverage and problems with affordability continue to hinder access to mental health services even for those with private insurance and Medicaid. Our survey finds that in addition to challenges obtaining services, many women who have insurance faced at least some out-of-pocket costs for their visit. The findings from the 2022 KFF WHS suggest that future policies affecting telehealth, provider availability, health insurance coverage, and affordability will play a significant role in addressing the demand for mental health care.

Methodology

Overview

The 2022 KFF Women’s Health Survey is a nationally representative survey of 6,442 people ages 18 to 64, including 5,201 females (self-reported sex at birth) and 1,241 males, conducted from May 10, 2022, to June 7, 2022. The objective of the survey is to help better understand respondents’ experiences with contraception, potential barriers to health care access, and other issues related to reproductive health. The survey was designed and analyzed by researchers at KFF (Kaiser Family Foundation) and fielded online and by telephone by SSRS using its Opinion Panel, supplemented with sample from IPSOS’s KnowledgePanel.

This work was supported in part by Arnold Ventures. KFF maintains full editorial control over all of its policy analysis, polling, and journalism activities.

Questionnaire design

KFF developed the survey instrument with SSRS feedback regarding question wording, order, clarity, and other issues pertaining to questionnaire quality. The survey was conducted in English and Spanish. The survey instrument is available upon request.

Sample design

The majority of respondents completed the survey using the SSRS Opinion Panel (n=5,202), a nationally representative probability-based panel where panel members are recruited in one of two ways: (1) through invitations mailed to respondents randomly sampled from an Address-Based Sample (ABS) provided by Marketing Systems Group through the U.S. Postal Service’s Computerized Delivery Sequence. (2) from a dual-framed random digit dial (RDD) sample provided by Marketing Systems Group.

In order to have large enough sample sizes for certain subgroups (females ages 18 to 35, particularly females in the following subgroups: lesbian/gay/bisexual; Asian; Black; Hispanic; Medicaid enrollees; low-income; and rural), an additional 1,240 surveys were conducted using the IPSOS KnowledgePanel, a nationally representative probability-based panel recruited using a stratified ABS design.

Data collection

Web Administration Procedures

The majority of surveys completed using the SSRS Opinion Panel (n=5,056) and all of the surveys completed using the KnowledgePanel (n=1,240) were self-administered web surveys. Panelists were emailed an invitation, which included a unique passcode-embedded link, to complete the survey online. In appreciation for their participation, panelists received a modest incentive in the form of a $5 or $10 electronic gift card. All respondents who did not respond to their first invitation received up to five reminder emails and panelists who had opted into receiving text messages from the SSRS Opinion Panel received text message reminders.

Overall, the median length of the web surveys was 13 minutes.

Phone Administration Procedures

In addition to the self-administered web survey, n=146 surveys were completed by telephone with SSRS Opinion Panelists who are web reluctant. Overall, the median length of the phone surveys was 28 minutes.

Data processing and integration

SSRS implemented several quality assurance procedures in data file preparation and processing. Prior to launching data collection, extensive testing of the survey was completed to ensure it was working as anticipated. After the soft launch, survey data were carefully checked for accuracy, completeness, and non-response to specific questions so that any issues could be identified and resolved prior to the full launch.

The data file programmer implemented a “data cleaning” procedure in which web survey skip patterns were created in order to ensure that all questions had the appropriate numbers of cases. This procedure involved a check of raw data by a program that consisted of instructions derived from the skip patterns designated on the questionnaire. The program confirmed that data were consistent with the definitions of codes and ranges and matched the appropriate bases of all questions. The SSRS team also reviewed preliminary SPSS files and conducted an independent check of all created variables to ensure that all variables were accurately constructed.

As a standard practice, quality checks were incorporated into the survey. Quality control checks for this study included a review of “speeders,” reviewing the internal response rate (number of questions answered divided by the number of questions asked) and open-ended questions. Among all respondents, the vast majority (97%) answered 96% or more of the survey questions they received, with no one completing less than 91% of the administered survey (respondents were informed at the start of the survey that they could skip any question).

Weighting

The data were weighted to represent U.S. adults ages 18 to 64. The data include oversamples of females ages 18 to 35 and females ages 36 to 64. Due to this oversampling, the data were classified into three subgroups: females 18 to 35, females 36 to 64, and males 18 to 64. The weighting consisted of two stages: 1) application of base weights and 2) calibration to population parameters. Each subgroup was calibrated separately, then the groups were put into their proper proportions relative to their size in the population.

Calibration to Population Benchmarks

The sample was balanced to match estimates of each of the three subgroups (females ages 18 to 35, females ages 36 to 64, and males ages 18 to 64) along the following dimensions: age; education (less than a high school graduate, high school graduate, some college, four-year college or more); region (Northeast, Midwest, South, West); and race/ethnicity (White non-Hispanic, Black non-Hispanic, Hispanic-born in U.S., Hispanic-born Outside the U.S., Asian non-Hispanic, Other non-Hispanic). The sample was weighted within race (White, non-Hispanic; Black, non-Hispanic; Hispanic; and Asian) to match population estimates. Benchmark distributions were derived from 2021 Current Population Survey (CPS) data.

Weighting summaries for females ages 18 to 35, females ages 36 to 64, and males ages 18 to 64 are available upon request.

Finally, the three weights were combined, and a final adjustment was made to match the groups to their proper proportions relative to their size in the population (Table 1).

Combined Weights, Sex by Age

Margin of Sampling Error

The margin of sampling error, including the design effect for subgroups, is presented in Table 2 below. It is important to remember that the sampling fluctuations captured in the margin of error are only one possible source of error in a survey estimate and there may be other unmeasured error in this or any other survey.

Design Effects and Margins of Error by Demographic Group

KFF Analysis

Researchers at KFF conducted further data analysis using the R survey package, including creating constructed variables, running additional testing for statistical significance, and coding responses to open-ended questions. The survey instrument is available upon request.

Rounding

Some figures in the report do not sum to totals due to rounding. Although overall totals are statistically valid, some breakdowns may not be available due to limited sample sizes or cell sizes. Where the unweighted sample size is less than 100 or where observations are less than 10, figures include the notation “NSD” (Not Sufficient Data).

Statistical significance

All statistical tests are performed at the .05 confidence level. Statistical tests for a given subgroup are tested against the reference group (Ref.) unless otherwise indicated. For example, White is the standard reference for race/ethnicity comparisons and private insurance is the standard reference for types of insurance coverage. Some breakouts by subsets have a large standard error, meaning that sometimes even large differences between estimates are not statistically different.

A note about sex and gender language

Our survey asked respondents which sex they were assigned at birth, on their original birth certificate (male or female). They were then asked what their current gender is (man, woman, transgender, non-binary, or other). Those who identified as transgender men are coded as men and transgender women are coded as women. While we attempted to be as inclusive as possible and recognize the importance of better understanding the health of non-cisgendered people, as is common in many nationally representative surveys, we did not have a sufficient sample size (n >= 100) to report gender breakouts other than men and women with confidence that they reflect the larger non-cisgender population as a whole. The data in our reproductive health reports use the respondent’s sex assigned at birth (inclusive of all genders) to account for reproductive health needs/capacity (e.g., ever been pregnant) while the data in our other survey reports use the respondent’s gender.

Experiences with Health Care Access, Cost, and Coverage: Findings from the 2022 KFF Women’s Health Survey

Published: Dec 20, 2022

Report

Introduction

Women’s access to health care is shaped by a broad range of factors, including coverage and income, the availability of health care providers in their communities, and the affordability of care and health insurance.

The Affordable Care Act (ACA) has expanded pathways to affordable coverage to millions of women by broadening eligibility for Medicaid and providing subsidies to make individual health insurance coverage more affordable for those who do not have access to coverage through their employer. The ACA also contains provisions aimed at alleviating some of the financial barriers to health care; however, many women still face challenges with health care costs and medical bills, particularly those who are uninsured or have low incomes.

This report presents findings from the 2022 KFF Women’s Health Survey (WHS) on women’s health status, use of health care services, and costs. The WHS is a nationally representative survey of 5,145 self-identified women ages 18 to 64, conducted May 10 – June 7, 2022. See the Methodology for more details.

Summary of Findings

  • The majority of women ages 18-64 report being in excellent, very good, or good health (82%); however, nearly one in five (18%) women describe their health as fair or poor, with substantial differences by sociodemographic characteristics.
  • Half of women (49%) report having an ongoing health condition that requires regular monitoring, medical care, or medication and 18% report having a disability or chronic disease that keeps them from participating fully in work, school, housework, or other activities, with higher rates among older women. Ten percent of women with a disability or ongoing health condition do not have a regular doctor or health care provider.
  • Nearly all women ages 18-64 (95%) have seen a doctor or health care provider in the past two years, but a smaller share has had a general check-up or well-woman visit (73%). Uninsured women are significantly less likely than insured women to have seen a provider or had a check-up in the past two years.
  • Overall, women have more interactions with and connections to the health care system than men. Higher shares of women report having a usual source of care and have visited a health care provider in the past two years than men.
  • Most women (79%) obtain their health care at doctors’ offices, but health centers and clinics are common sites of care for underserved populations. One in four (25%) uninsured women, one in five (19%) Hispanic women, and 17% of those with Medicaid usually visit health centers or clinics for their routine health care.
  • Most women ages 18-64 (60%) say they have had a telemedicine visit in the past two years. Most (69%) rate the quality of care they received via telemedicine as comparable to in-person care. Annual check-ups, minor illnesses and injuries, and mental health services were the top reasons women accessed services via telemedicine.
  • Many women with health insurance report experiencing limitations with their insurance in the past 12 months. One in five (21%) women with Medicaid say that their plan did not cover care they thought was covered, or paid less than expected, compared to one-third (34%) of women with employer-sponsored coverage.
  • More than one in four (27%) women ages 18-64 report having had problems paying medical bills in the past 12 months compared to 23% of men.
  • Among women experiencing problems with medical bills in the past year, more than half (52%) have had difficulty paying for basic necessities like food, heat, or housing because of the bills, including nearly seven in ten (68%) women with low incomes.

Health Status and Use of Prescription Medications

Health Status

The majority of women ages 18-64 report being in good or excellent health, but substantial shares of women with low incomes and those with Medicaid describe their health as fair or poor.

Most women ages 18-64 (82%) rate their health as excellent, very good, or good; however, 18% of women describe their health as fair or poor, similar to other national estimates.

A higher share of women ages 36-49 (20%) and ages 50-64 (19%) rate their health as fair or poor than those ages 18-35 (16%) (Figure 1). A larger share of Black (22%) and Hispanic (20%) women report being in fair or poor health than White (16%) and Asian/Pacific Islander (13%) women. (Persons of Hispanic origin may be of any race; other groups are non-Hispanic.) Approximately three in ten women with low incomes (28%) and women with Medicaid coverage (30%) rate their health as fair or poor. (This survey defines low income as household income under 200% of the federal poverty level (FPL); higher income is 200% or more of the FPL. The federal poverty level (FPL) for an individual in 2022 is $13,590.) A higher share of women with Medicaid describes their health as fair or poor than women with employer-sponsored insurance (11%), individual insurance (13%), and the uninsured (23%).

Most Women Report Being in Good Health, But Significant Shares of Women With Low-incomes and Medicaid Report Fair/Poor Health
Many women are managing ongoing health conditions or living with disabilities that impact daily life.

Half (49%) of women ages 18-64 report that they have an ongoing health condition that requires regular monitoring, medical care, or medication (Figure 2). This rate increases with age, from 41% of women ages 18-49 to 65% of women ages 50-64. Smaller shares of Hispanic (41%) and Asian/Pacific Islander (38%) women report having an ongoing health condition than White (52%) and Black (49%) women. More women with employer-sponsored insurance (46%) report having an ongoing health condition requiring regular care than do uninsured women (36%). Women with Medicaid (53%) are more likely than those with employer-sponsored insurance or the uninsured to report having an ongoing condition.

Half of Women Report Having an Ongoing Health Condition, With Higher Shares Among Older Women

Eighteen percent of women ages 18-64 report having a disability or chronic disease that keeps them from participating fully in work, school, housework, or other activities (Figure 3). Women ages 50-64 are more likely than those ages 18-49 to report having a disability or chronic disease (24% vs. 15%). Lower shares of Hispanic (14%) and Asian/Pacific Islander (6%) women have a limiting disability or chronic condition than do White (18%) and Black (22%) women. Women with Medicaid coverage (30%) and those with low incomes (29%) are more likely than their counterparts to report having a disability or chronic disease.

Two in Ten Women Report Having a Disability or Chronic Disease, Increasing to Three in Ten Among Low-Income and Medicaid

Use of Prescription Medications

Almost two-thirds of women ages 18-64 take at least one prescription medication, including birth control pills, on a regular basis.

Women may take prescription medications to treat or manage chronic conditions and acute illnesses or to prevent pregnancy. Sixty-three percent of women report taking at least one prescription medicine, including birth control pills, on a regular basis (Figure 4).

Prescription medication use increases with age, with 58% of women ages 18-49 taking at least one on a regular basis compared to 73% of women ages 50-64. White women (68%) are more likely than Asian/Pacific Islander (49%), Hispanic (55%), and Black (58%) women to take a prescription medication on a regular basis. As may be expected, a higher share of women in fair or poor health report taking a prescription medication regularly than women in excellent or very good health (76% vs. 54%). Even though more uninsured women (23%) rate their health as fair or poor than insured women (17%), a higher share of insured women (65%) (data not shown) report taking take a prescription medication than uninsured women (43%). One explanation for this could be that uninsured women have less access to health care and affordable medications than those with insurance, which could result in lower use of prescription medications.

Almost Two-Thirds of Women Take at Least One Prescription Medication on a Regular Basis

Differences Between Women and Men

In measures of health status and prescription drug use, there are some differences and some similarities between women and men.

More women than men report having an ongoing health condition that requires regular monitoring, medical care, or medication (49% vs. 43%), or taking at least one prescription medication on a regular basis (63% vs. 48%) (Figure 5). The share of women and men who rate their health status as fair or poor is similar (18% and 20%, respectively), as is the share who report having a disability or chronic disease that keeps them from participating fully in work, school, housework, or other activities (18% and 17%, respectively). (People of all genders, including non-binary people, were asked these questions; however, there are insufficient data to report on non-cisgendered people.)

More

Accessing Health Care

Sources of Care

While the vast majority of women have a regular provider they turn to for routine care, only half of uninsured women have a usual source of care.

Having a usual source of health care is associated with increased use of preventive care and better health outcomes. Eighty-two percent of women have a regular doctor or health care provider they see when they are sick or need routine care. The share of women who have a regular provider increases with age (Figure 6). Hispanic women (79%) are slightly less likely than White (83%) and Black (84%) women to have a usual source of care. Fewer women who are uninsured (52%) and those with low incomes (79%) report having a usual source of care than their counterparts. Women who live in a state that expanded Medicaid are more likely to have a usual source of care than women in states that have not expanded Medicaid (83% vs. 79%) (data not shown). Ten percent of women with a disability or an ongoing health condition do not have a regular doctor or health care provider (data not shown).

Eight in Ten Women Have a Regular Source of Care, but this Share is Much Lower Among the Uninsured

Sites of Care

Most women obtain their health care at doctors’ offices, but health centers and clinics are common sites of care for underserved communities, particularly for uninsured women, those with Medicaid, and Hispanic women.

Eighty-two percent of women have a regular doctor or place they usually go for health care. Among them, eight in ten (79%) report that they usually obtain their care at a doctor’s office (Figure 7). Ten percent obtain care at an urgent care or retail clinic; 8% usually go to a health center or school-based clinic; and 3% cite the emergency room or some other place as their usual site of care.

The Majority of Women With a Usual Source of Care Obtain Their Health Care at Doctor's Office

More women ages 50-64 (88%), White (84%) and Asian/Pacific Islander (83%) women, women with higher incomes (85%), and those with private health insurance (86%) rely on an office-based physician for their regular care than their counterparts (Table 1). (Private health insurance includes employer-sponsored insurance and individually purchased insurance.) Health centers and clinics play a larger role as sites of care for women ages 18-49 (10%), Hispanic women (19%), women with low incomes (15%), those with Medicaid (17%), and uninsured women (25%) than their counterparts.

Health Centers and Clinics Are Common Sites of Care for Underserved Communities

Check-ups

Regular provider visits give people an opportunity to talk with clinicians about a broad range of issues, including preventing illness, the role of lifestyle factors on health, and management of chronic illnesses. Under the Affordable Care Act, most health plans must cover at least one annual check-up/well-woman visit, which can include assessments of diet and physical activity, preconception care, and cancer screenings.

Overall, women have more interactions with and connections to the health care system than men. Higher shares of women than men report having a usual source of care and have visited a health care provider in the past two years.

Women are more likely than men to report having a regular place of care (87% vs. 77%) and a regular doctor or health care provider (82% vs. 71%) (Figure 8). Ninety-five percent of women say they have visited a health care provider in the past two years and among them, 77% have had a check-up, compared to 88% and 72% of men, respectively. (People of all genders, including non-binary people, were asked these questions; however, there are insufficient data to report on non-cisgendered people.)

While most women ages 18-64 have visited a doctor in the past two years and had a check-up, rates are lower among younger women and uninsured women.

Nearly all women (95%) have seen a doctor or health care provider in the past two years (Figure 8). However, fewer women ages 18-35 (92%), Hispanic (92%), and uninsured women (78%) have visited a doctor in the past two years than their counterparts.

Among women who have seen a health care provider in the past two years, more than three-quarters (77%) have had a general check-up/well-woman visit during that period. However, a smaller share of uninsured women (61%) and women with low incomes (74%) had a recent check-up than their counterparts. A smaller share of women ages 18-35 had a check-up than women ages 50-64 (72% vs. 85%), and more Black women than White women had one (83% vs. 77%).

More Women Than Men Have a Connection With a Health Care Provider, But There Are Differences Among Demographic Groups

Telemedicine

Two years into the pandemic, most women ages 18-64 (60%) say they have had a telehealth visit (Figure 9).

Smaller shares of younger women report having had a telehealth visit in the past two years and fewer than half of uninsured women say they have had one. Women living in rural areas are less likely than those living in urban areas to have had a telehealth visit with a health care provider (49% vs. 62%) in the past two years, a general trend that has been documented in other studies. This could be due, in part, to patient preferences as well as more limited access to reliable high-speed internet and technology among those living in rural areas than in urban/suburban areas, as has been documented by other research. Slightly fewer women living in Medicaid non-expansion states have had a telehealth visit than those in expansion states (58% vs. 62%). There were no statistically significant differences by race/ethnicity (data not shown).

Most Women Had a Telehealth Visit in the Past 2 Years, With Variation By Location and Insurance Type

Among women ages 18-64 who had a telehealth visit in the past two years, nearly two in ten (18%) say the primary purpose for their visit was for an annual check-up or well-visit, minor illness or injury, or mental health services (Table 2). The next most common reasons included management of a chronic condition (16%), another health concern not listed (13%), COVID-related symptoms (10%), and gynecological or sexual health issues (5%).

Primary reasons for telehealth visits often vary by age. Among women ages 18-25 who had a telehealth visit in the past two years, three in ten (29%) say the primary purpose for their most recent telehealth visit was mental health services, compared to just 10% of women ages 50-64. Almost one-quarter (23%) of women ages 50-64 say their most recent telehealth visit was for management of a chronic condition, compared to 8% of women ages 18-25. Among women ages 18-49 who had a telehealth visit in the past two years, 2% say prenatal or postpartum care was the primary purpose for the most recent telehealth, including 2% of those ages 18-25, 4% of those ages 26-35, and 5% of those ages 36-49 (data not shown).

Annual Check-Ups, Minor Illnesses and Injuries, and Mental Health Services Were the Top Reasons Women Accessed Telehealth Services

Most women (70%) say the quality of care they received at their most recent telehealth visit was similar to the quality of in-person care, with 12% saying their telehealth care was better and 17% saying it was worse than in-person care (Figure 10). Larger shares of women with low incomes (18%) and those who are uninsured (22%) say their telehealth care was better than in-person care than women with higher incomes (10%) and those with private insurance (10%). Two percent of women who had a telehealth visit in the past two years say they have not had an in-person visit for this type of care.

The Majority of Women Say The Quality of Care They Received at Their Most Recent Telehealth Visit Was Similar to the Quality of In-person Care

When looking at specific types of services provided via telehealth, one in five (19%) women receiving telehealth services for a gynecological or sexual health issue or mental health services say the care they received via telehealth was better than in-person care (Figure 11). Conversely, about one in five women say their telehealth care for treatment of minor illnesses and injuries (22%) and COVID-related symptoms (21%) was worse than in-person care. Among women ages 18-49 who had a telehealth visit in the past two years and whose most recent visit was for prenatal or postpartum care, 18% said the quality of care was better than the quality of in-person care, 65% said it was the same, and 17% said it was worse (data not shown).

One in Five Women Say the Quality of Their Most Recent Gynecological or Sexual Health Care and Mental Health Care via Telehealth Was Better Than In-Person Care

Health Coverage and Costs

Insurance

More insured women than men report having experienced problems with their insurance covering needed health services or medications in the past 12 months.

Thirty-one percent of women ages 18-64 with health coverage (employer-sponsored insurance, individual insurance, or Medicaid) report that in the past 12 months, they or a family member received care from a doctor, hospital, or lab they thought was covered, but their health plan did not cover the bill at all, or paid less than they expected, compared to 26% of men who say the same (Figure 12). More insured women than men say their plan would not cover a prescription medication or required a very expensive copay or coinsurance for it (29% vs. 21%). Women were slightly more likely than men to say that in the past 12 months, their plan would not cover a test or scan that their doctor recommended (20% vs. 17%).

These gender differences could be due to several factors, including that women are more likely than men to have visited a health care provider in the past two years, to take prescription medication on a regular basis, and to have an ongoing health condition that requires regular monitoring, medical care, or medication (see “Health Status and Use of Prescription Medications” section above).

A Substantial Share of Women and Men With Health Insurance Report Problems With Coverage of Services, but More Common Among Women

Some of these insurance coverage problems vary by type of insurance plan (Table 3).

For example, among women, more women with private insurance (individual or employer-sponsored plans) (34%) than women with Medicaid (21%) say their plan did not cover medical care they thought was covered, or paid less than expected, in the past 12 months. A higher share of women with individual coverage (35%) than women with employer-sponsored coverage (27%) or Medicaid (29%) say that their plan did not cover a prescription medication or required high cost sharing for it. Women with individual coverage (28%) are also more likely than women with employer-sponsored coverage (20%) or Medicaid (21%) to report their plan did not cover a test or scan their doctor recommended in the past 12 months.

Many Insured Women Report That Their Plan Didn’t Always Cover All Their Needed Medical Care, or That It Paid Less Than They Expected

Insurance companies sometimes deny coverage of prescription medications or require large co-payments, but many women are not aware that they can appeal coverage decisions.

The ACA requires that most private health insurance plans have an appeals process for coverage determinations and claims. State Medicaid programs are also required by federal law to have an appeals process. Among the 65% of insured women who take a prescription medication on a regular basis, only four in ten (40%) are aware that they can ask their insurance company to reconsider covering the cost of a prescription, known as filing an appeal (Figure 13).

Knowledge of this option varies by income level and insurance type. More low-income women with insurance who take a prescription medication are aware that they can file an appeal with their health plan than higher-income women (44% vs. 38%). Women with Medicaid are also more likely than those with employer-sponsored insurance to know that this is an option (45% vs. 38%).

More Women with Medicaid Who Take a Prescription Medication Are Aware They Can File an Appeal Than Those with Employer Coverage

Many women who take a prescription medication say their out-of-pocket costs for those medications have increased over the past year.

Among the nearly two-thirds (63%) of women ages 18-64 who take a prescription medication on a regular basis, almost one-third (32%) say their out-of-pocket costs for those medications have increased compared to 12 months ago (Figure 14). Over half (54%) say their out-of-pocket costs have stayed the same, 6% say their costs have decreased, and 8% say they do not know.

Changes in out-of-pocket costs vary by type of insurance coverage. Fifty-five percent of women who are uninsured and who take a prescription medication say that their costs have increased compared to 12 months ago, compared to 34% of women with private insurance and 17% of those with Medicaid. Most women with private insurance (53%) and Medicaid (63%) say that their out-of-pockets costs for their prescription medications has not changed in the past year. Notably, twice as many women with Medicaid (16%) who take a prescription medication say they do not know how their out-of-pocket costs for those medications has changed, compared to 8% of all women. (Four percent say they were not taking any of these medications 12 months ago; they are not included in this analysis.)

Over Half of Uninsured Women Who Take a Prescription Medication Say Their Out-of-Pocket Costs Have Increased in the Past Year

Medical Bills

While the ACA has addressed some financial barriers to accessing health care, many women, including those with insurance, still report problems paying medical bills. Some women incur significant medical expenses because of an unexpected diagnosis such as cancer, or an illness or injury that limits their ability to work and earn income to pay off bills. Costly medical bills can also arise after receiving care from an out-of-network provider, commonly referred to as surprise medical bills. (The No Surprises Act, which took effect in January 2022, establishes new federal protections against surprise medical bills.)

More than one in four women ages 18-64 report having had problems paying medical bills in the past year, with higher rates among uninsured women and women in poorer health. (Poorer health refers to those who report being in fair or poor health.)

Twenty-seven percent of women report that they or a household family member has had problems paying medical bills in the past 12 months, a slight increase from 2020 (24%). Problems paying medical bills are more common among women than men (23%).

Outstanding medical bills are more common among uninsured and women with low incomes and those in poorer health (Figure 15). This includes more than two in five (42%) uninsured women and women in poorer health, and almost two in five women with low incomes (37%). Approximately one-third of women who live in states that did not expand Medicaid (34%), Black (32%) and Hispanic women (32%) also report having trouble paying medical bills in the past 12 months. Women who live Medicaid expansion states are less likely than those in non-expansion states to have had trouble paying medical bills (data not shown). More women with children report problems paying medical bills in the past 12 months than do women without children (32% vs. 25%).

More Uninsured Women and Those Who Are in Fair or Poor Health Report Having Had Trouble Paying Medical Bills in the Past Year

Among women who report having had problems paying medical bills in the past 12 months, one-third (34%) say it was because they or someone in their family lost a job, income, or unemployment benefits. Seventeen percent say it was because they or someone in their family had health expenses related to COVID-19. The majority (66%) of women who say they have had trouble paying medical bills in the past 12 months report that it is due to some other reason (Figure 16).

One-third of women with problems paying medical bills say it was due to losing a job, income, or unemployment benefits
Medical bills can have serious consequences for people’s financial well-being and ability to afford basic necessities. Although more women than men report having problems paying medical bills in the past 12 months, women and men experience financial consequences because of the bills at similar rates.

Among the 27% of women and 23% of men who have had problems paying medical bills in the past 12 months, similar shares have had to set up a payment plan to pay off the bill (65% of women and 68% of men); used up all or most of their savings (62% of women and 69% of men); been contacted by a collection agency (61% of women and 56% of men); and had difficulty paying for basic necessities (52% of women and 53% of men) (Table 4). However, a higher share of men than women with recent problems paying medical bills report borrowing money from family or friends (53% vs. 42%).

A Higher Share of Women Than Men Say They or a Family Member Had Trouble Paying Medical Bills in the Past Year
For women, the financial consequences of medical bills vary by income level (Figure 17).

Among the 27% of women who report having trouble paying medical bills in the past 12 months, women with low incomes are more likely than women with higher incomes to report having difficulty paying for basic necessities such as food, heat, or housing (68% vs. 39%); having been contacted by a collection agency (70% vs. 53%); or borrowing money from family or friends (56% vs. 29%). Women with higher incomes are more likely than women with low incomes to have had to set up a payment plan with a doctor or hospital (71% vs. 59%).

Six in Ten Women Who Had Trouble Paying Medical Bills Used Up All or Most of Their Savings Because of Those Bills

Conclusion

Women’s access to and use of health care services has an impact on their health outcomes. Most women report having a regular source of care and having had a recent doctor’s visit. However, connections to the delivery system are more tenuous for uninsured women and women with low incomes, who are less likely to report a recent visit or regular place of care. Most women report they have had a general check-up/well-woman visit in the past two years, but like other measures on access to care, rates are lower among uninsured women and those with low incomes. When looking at gender differences, women are more likely to have regular connections with the health care system than men.

The COVID-19 pandemic has changed how some people access health care, particularly a shift from in-person care to increased use of telehealth. Federal and state policy changes and market forces also contributed to the growth in the use of telehealth. Most women say they have used telehealth in the past two years, and most of them rate the quality of care they received as comparable to an in-person visit. This pattern is consistent for all types of telehealth services our survey asked about, ranging from check-ups to mental health care services. While many women do not express concerns about quality differences between telehealth and in person care, the extent to which this newer modality will continue to be utilized and grow will also depend on the reimbursement policies that private plans and public payors adopt following the end of the pandemic emergency.

Despite the role that health insurance plays in helping people afford health care and reducing patients’ financial risks when they need routine care, get sick, or need to be hospitalized, scope of coverage and affordability can still be challenging for many women with insurance coverage. A sizeable minority of women with insurance report having problems using their health plan, such as their plan not paying for health care they thought was covered but was not, or their plan not covering their prescription drugs or requiring high cost sharing for them. Many people say they have had problems paying medical bills in the past year, bur rates are higher among women than men. While the ACA strengthened access to coverage and offers protection from some out-of-pocket health care costs, gaps remain. For many, health care and coverage are still unaffordable and represent potential barriers to needed care.

Methodology

Overview

The 2022 KFF Women’s Health Survey is a nationally representative survey of 6,442 people ages 18 to 64, including 5,201 females (self-reported sex at birth) and 1,241 males, conducted from May 10, 2022, to June 7, 2022. The objective of the survey is to help better understand respondents’ experiences with contraception, potential barriers to health care access, and other issues related to reproductive health. The survey was designed and analyzed by researchers at KFF (Kaiser Family Foundation) and fielded online and by telephone by SSRS using its Opinion Panel, supplemented with sample from IPSOS’s KnowledgePanel.

This work was supported in part by Arnold Ventures. KFF maintains full editorial control over all of its policy analysis, polling, and journalism activities.

Questionnaire design

KFF developed the survey instrument with SSRS feedback regarding question wording, order, clarity, and other issues pertaining to questionnaire quality. The survey was conducted in English and Spanish. The survey instrument is available upon request.

Sample design

The majority of respondents completed the survey using the SSRS Opinion Panel (n=5,202), a nationally representative probability-based panel where panel members are recruited in one of two ways: (1) through invitations mailed to respondents randomly sampled from an Address-Based Sample (ABS) provided by Marketing Systems Group through the U.S. Postal Service’s Computerized Delivery Sequence. (2) from a dual-framed random digit dial (RDD) sample provided by Marketing Systems Group.

In order to have large enough sample sizes for certain subgroups (females ages 18 to 35, particularly females in the following subgroups: lesbian/gay/bisexual; Asian; Black; Hispanic; Medicaid enrollees; low-income; and rural), an additional 1,240 surveys were conducted using the IPSOS KnowledgePanel, a nationally representative probability-based panel recruited using a stratified ABS design.

Data collection

Web Administration Procedures

The majority of surveys completed using the SSRS Opinion Panel (n=5,056) and all of the surveys completed using the KnowledgePanel (n=1,240) were self-administered web surveys. Panelists were emailed an invitation, which included a unique passcode-embedded link, to complete the survey online. In appreciation for their participation, panelists received a modest incentive in the form of a $5 or $10 electronic gift card. All respondents who did not respond to their first invitation received up to five reminder emails and panelists who had opted into receiving text messages from the SSRS Opinion Panel received text message reminders.

Overall, the median length of the web surveys was 13 minutes.

Phone Administration Procedures

In addition to the self-administered web survey, n=146 surveys were completed by telephone with SSRS Opinion Panelists who are web reluctant. Overall, the median length of the phone surveys was 28 minutes.

Data processing and integration

SSRS implemented several quality assurance procedures in data file preparation and processing. Prior to launching data collection, extensive testing of the survey was completed to ensure it was working as anticipated. After the soft launch, survey data were carefully checked for accuracy, completeness, and non-response to specific questions so that any issues could be identified and resolved prior to the full launch.

The data file programmer implemented a “data cleaning” procedure in which web survey skip patterns were created in order to ensure that all questions had the appropriate numbers of cases. This procedure involved a check of raw data by a program that consisted of instructions derived from the skip patterns designated on the questionnaire. The program confirmed that data were consistent with the definitions of codes and ranges and matched the appropriate bases of all questions. The SSRS team also reviewed preliminary SPSS files and conducted an independent check of all created variables to ensure that all variables were accurately constructed.

As a standard practice, quality checks were incorporated into the survey. Quality control checks for this study included a review of “speeders,” reviewing the internal response rate (number of questions answered divided by the number of questions asked) and open-ended questions. Among all respondents, the vast majority (97%) answered 96% or more of the survey questions they received, with no one completing less than 91% of the administered survey (respondents were informed at the start of the survey that they could skip any question).

Weighting

The data were weighted to represent U.S. adults ages 18 to 64. The data include oversamples of females ages 18 to 35 and females ages 36 to 64. Due to this oversampling, the data were classified into three subgroups: females 18 to 35, females 36 to 64, and males 18 to 64. The weighting consisted of two stages: 1) application of base weights and 2) calibration to population parameters. Each subgroup was calibrated separately, then the groups were put into their proper proportions relative to their size in the population.

Calibration to Population Benchmarks

The sample was balanced to match estimates of each of the three subgroups (females ages 18 to 35, females ages 36 to 64, and males ages 18 to 64) along the following dimensions: age; education (less than a high school graduate, high school graduate, some college, four-year college or more); region (Northeast, Midwest, South, West); and race/ethnicity (White non-Hispanic, Black non-Hispanic, Hispanic-born in U.S., Hispanic-born Outside the U.S., Asian non-Hispanic, Other non-Hispanic). The sample was weighted within race (White, non-Hispanic; Black, non-Hispanic; Hispanic; and Asian) to match population estimates. Benchmark distributions were derived from 2021 Current Population Survey (CPS) data.

Weighting summaries for females ages 18 to 35, females ages 36 to 64, and males ages 18 to 64 are available upon request.

Finally, the three weights were combined, and a final adjustment was made to match the groups to their proper proportions relative to their size in the population (Table 1).

Combined Weights, Sex by Age

Margin of Sampling Error

The margin of sampling error, including the design effect for subgroups, is presented in Table 2 below. It is important to remember that the sampling fluctuations captured in the margin of error are only one possible source of error in a survey estimate and there may be other unmeasured error in this or any other survey.

Design Effects and Margins of Error by Demographic Group

KFF Analysis

Researchers at KFF conducted further data analysis using the R survey package, including creating constructed variables, running additional testing for statistical significance, and coding responses to open-ended questions. The survey instrument is available upon request.

Rounding

Some figures in the report do not sum to totals due to rounding. Although overall totals are statistically valid, some breakdowns may not be available due to limited sample sizes or cell sizes. Where the unweighted sample size is less than 100 or where observations are less than 10, figures include the notation “NSD” (Not Sufficient Data).

Statistical significance

All statistical tests are performed at the .05 confidence level. Statistical tests for a given subgroup are tested against the reference group (Ref.) unless otherwise indicated. For example, White is the standard reference for race/ethnicity comparisons and private insurance is the standard reference for types of insurance coverage. Some breakouts by subsets have a large standard error, meaning that sometimes even large differences between estimates are not statistically different.

A note about sex and gender language

Our survey asked respondents which sex they were assigned at birth, on their original birth certificate (male or female). They were then asked what their current gender is (man, woman, transgender, non-binary, or other). Those who identified as transgender men are coded as men and transgender women are coded as women. While we attempted to be as inclusive as possible and recognize the importance of better understanding the health of non-cisgendered people, as is common in many nationally representative surveys, we did not have a sufficient sample size (n >= 100) to report gender breakouts other than men and women with confidence that they reflect the larger non-cisgender population as a whole. The data in our reproductive health reports use the respondent’s sex assigned at birth (inclusive of all genders) to account for reproductive health needs/capacity (e.g., ever been pregnant) while the data in our other survey reports use the respondent’s gender.

Emergency Department Visits Exceed Affordability Threshold For Many Consumers With Private Insurance

Authors: Hope Schwartz, Matthew Rae, Gary Claxton, Dustin Cotliar, Krutika Amin, and Cynthia Cox
Published: Dec 16, 2022

The high cost of emergency care may impact patients’ ability to afford treatment, with almost half of US adults reporting they have delayed care due to costs. This analysis uses 2019 insurance claims data from the Merative MarketScan Commercial Database, which captures privately insured individuals with large employer health plans, to assess the total and out-of-pocket costs of emergency department visits for this group, overall and by diagnosis and severity level. It also looks at which services contribute most to the costs of emergency department visits and examine regional variation in emergency department costs and provides a demographic profile of consumers who visited the emergency department.

It find that enrollees spend $646 out-of-pocket, on average, for an emergency department visit. The most expensive components of most emergency department visits include evaluation and management charges, imaging, and laboratory studies. Cost varies by disease, visit complexity, and geographic region.

The full analysis is available through the Peterson-Kaiser Health System Tracker, an online information hub dedicated to monitoring and assessing the performance of the U.S. health system.

News Release

More Than 4 in 10 Republicans and a Third of Parents Now Oppose Schools Requiring Children to Get Vaccinated for Measles and Other Illness, Up Since the COVID-19 Pandemic Began

About 4 in 10 Seniors Have Gotten the New COVID-19 Booster; Many Vaccinated Adults Who Have Not Gotten the Booster are Skeptical of Its Value

Published: Dec 16, 2022

Amid controversies around the COVID-19 vaccine and growing distrust of public health authorities, more than four in ten Republicans and Republican-leaning independents, and a third of parents, now say they oppose requiring children in public schools to receive some childhood vaccines, up since 2019, a new KFF COVID-19 Vaccine Monitor survey finds.

Overall, nearly three in ten adults (28%) nationally now say that parents should be able to decide not to vaccinate their children for measles, mumps, and rubella rather than those vaccinations being required to attend public schools, up from 16% in a 2019 Pew Research Center poll conducted before the COVID-19 pandemic. Among parents, opposition to requiring those childhood vaccines now stands at 35%, up from 23% in 2019.

While most of the public still say that healthy children should be required to get those vaccines to attend public schools (71%), that share is down from 82% in 2019.

The growing opposition stems largely from shifts among people who identify as Republican or lean Republican, with 44% now saying parents should be able to opt out of those childhood vaccines, up from 20% in 2019.  In contrast, the vast majority of Democrats and those who lean Democratic support requiring the vaccines for public school students (88%), little changed from 2019 (86%).

Currently, all states and the District of Columbia require children to be vaccinated against certain diseases, including measles and rubella, in order to attend public schools, though exemptions are allowed in certain circumstances.

Despite growing opposition to requiring childhood vaccines, the new survey captures only modest shifts in the public’s view of their value. Today 85% of the public and 80% of parents say the benefits of the measles, mumps and rubella vaccines outweigh their risks, little changed from 2019, when 88% of the public and 83% of parents felt that way.

Even among people who have not gotten a COVID-19 vaccine, a large majority (70%) say the benefits of these childhood vaccines outweigh the risks, though one in four (26%) say the risks outweigh the benefits.

The new survey also finds that about four in ten adults report that they either have already gotten the recommended bivalent booster shot (22%) or say they will get it as soon as they can (16%). The bivalent booster targets both the original and omicron COVID-19 strains and has been available since September.

Among adults ages 65 and older, who face higher risks from COVID-19, about four in ten (39%) say they have already gotten the bivalent booster, and another 16% say they intend to do so as soon as possible. Still, this currently leaves more than half of older adults without the protection of the bivalent booster.

Democrats (38%) are much more likely than independents (18%) or Republicans (12%) to say that they’ve gotten the new booster.

Vaccinated adults who have not gotten a bivalent booster are largely skeptical about its value. Among this group, more than four in ten (44%) say they don’t think they need the new booster, and more than a third (37%) say that they don’t think its benefits are worth it. A similar share (36%) say they are too busy and haven’t had time to get it.

Fewer cite other reasons such as bad side effects from earlier COVID-19 vaccines (23%), waiting to see if cases increase in their area (17%), or waiting until they travel or see vulnerable family and friends (12%).

Among those ages 65 and older who are vaccinated but have not gotten the updated booster, about a third say that they don’t think they need it (36%) and that they don’t think the benefit of the updated booster is worth it (36%). About one in four (23%) say they have been too busy or have not had time to get the new booster yet.

Most vaccinated Republicans or Republican-leaning independents who haven’t gotten the new booster say that they don’t think they need it (64%) or that its benefits are not worth it (61%).  Among vaccinated Democrats and Democratic-leaning independents who have not gotten the updated booster, the top reason is being too busy (51%).

Relatively small shares of parents of children ages 12-17 (16%) and children ages 5-11 (14%) say their child has already received a bivalent booster. At least half of parents in each age group say either that their child is not vaccinated or that they definitely won’t get their child boosted.

Parents Are Now At Least as Likely to Worry Their Children Will Get RSV or the Flu as COVID-19 

About half (49%) of adults nationally say that they are worried there will be an increase in COVID-19 cases and hospitalizations in the U.S., though just about a third (36%) say they are worried they personally will get seriously sick from the virus. As in the past, Black and Hispanic adults, as well as people over age 65, are among the groups most likely to worry about getting seriously ill.

Amid reports about rising flu and RSV cases, parents are now at least as likely to worry about their children getting sick from those illnesses as from COVID-19. Roughly half of parents say they are at least somewhat worried that their children will get sick from RSV (56%), the flu (51%) and COVID-19 (47%).

Designed and analyzed by public opinion researchers at KFF, the Vaccine Monitor survey was conducted from Nov. 29 – Dec. 8, 2022, online and by telephone among a nationally representative sample of 1,259 adults, in English and in Spanish. The margin of sampling error is plus or minus 4 percentage points for the full sample. For results based on other subgroups, the margin of sampling error may be higher.

The KFF COVID-19 Vaccine Monitor is an ongoing research project tracking the public’s attitudes and experiences with COVID-19 vaccinations. Using a combination of surveys and qualitative research, this project tracks the dynamic nature of public opinion as vaccine development and distribution unfold, including vaccine confidence and acceptance, information needs, trusted messengers and messages, as well as the public’s experiences with vaccination.

Poll Finding

KFF COVID-19 Vaccine Monitor: December 2022

Published: Dec 16, 2022

Findings

Key Findings

  • While most of the public continue to have confidence in the benefits of childhood vaccines for measles, mumps, and rubella, the experience of the COVID-19 pandemic and debates over vaccine requirements and mandates appear to have had an impact on public attitudes towards MMR vaccine requirements for public schools. The latest KFF COVID-19 Vaccine Monitor survey finds that about seven in ten adults (71%) say healthy children should be required to get vaccinated for MMR in order to attend public schools, down from 82% who said the same in an October 2019 Pew Research Center poll. Almost three in ten (28%) now say that parents should be able to decide not to vaccinate their school-age children, even if this creates health risks for others, up from 16% in 2019. Among Republicans and Republican-leaning independents, there has been a 24 percentage-point increase in the share who hold this view (from 20% to 44%).
  • With COVID-19 cases rising across the country, just about a third of adults say they are worried they will get seriously sick from COVID-19, though nearly half of the public say they are worried about an increase in COVID-19 cases and hospitalizations in the U.S. this winter. As previous KFF surveys have repeatedly found, Black and Hispanic adults continue to be more concerned about the pandemic compared to White adults, with about two-thirds of Black adults (68%) and Hispanic adults (69%) saying they are worried about an increase in cases and hospitalizations this winter, compared to about four in ten White adults who say the same. Older adults are more likely than those under age 65 to say they are worried they will get seriously sick from COVID-19 (43% vs. 34%) and that cases and hospitalizations will rise this winter (60% vs. 46%).
  • As the country faces a “tripledemic”, with a surge in flu and RSV (respiratory syncytial virus) cases accompanying the rise in COVID-19 cases, many parents are now concerned about not one, but all three of these viruses. About half of parents are worried their child will get seriously sick from COVID-19 or the flu. A slight majority of parents (56%) say they are worried their child will get seriously sick from RSV – rising to more than seven in ten parents with a child under the age of 5 (73%), an age group that is particularly vulnerable to RSV.
  • Though many no longer see COVID-19 as a uniquely urgent threat, public health officials continue to encourage vaccination and emphasize the importance of the updated bivalent booster to help prevent serious illness and death from COVID-19, particularly in light of holiday gathering and travel. However, public uptake of the updated booster is relatively tepid, with just about one in five adults saying they have already gotten it. Democrats (38%) and adults ages 65 and older (39%) have been more eager, with about four in ten saying have already gotten the updated COVID-19 booster which has been available since September. Fewer young adults under the age of 30 (11%) and Republicans (12%) report having gotten an updated booster dose.
  • Though public health officials have stressed the importance of the updated COVID-19 booster for older adults who are more vulnerable to complications from a COVID infection, more than half of adults ages 65 and older have not yet gotten the updated booster. About a third (36%) of vaccinated adults ages 65 and older who have not yet gotten the bivalent booster say they don’t think they need it (36%) and a similar share say they don’t think the benefit of the updated booster is worth it.
  • Vaccinated Republicans and Republican-leaning independents are particularly skeptical of the value of the updated booster with about two-thirds of those who have not yet gotten it saying they don’t think they need it (64%) and that the benefit is not worth it (61%) while Democrats are most likely to say they have been too busy or haven’t had the time to get the update booster (51%).

The Impact Of COVID-19 On Attitudes Towards Other Childhood Vaccines

Despite the politicization of the COVID-19 vaccine and decreasing levels of trust in the FDA and CDC, most adults (85%) say the benefits of childhood vaccines for measles, mumps, and rubella (MMR) outweigh the risks, with little change from the share who said the same in a Pew Research Center poll in 2019 (88%). Though there were no significant differences across partisans in 2019, our survey finds that Republicans and Republican-leaning independents are now less likely than their Democratic counterparts believe the benefits of MMR vaccines outweigh the risks (83% vs. 91%).

Most Adults, Including Majorities Across Partisans, Say Benefits Of Childhood MMR Vaccines Outweigh Risks

While most parents of children under age 18 (80%) say they think the benefits of childhood MMR vaccines outweigh the risks, about one in six parents (17%) think the risks of these vaccines outweigh the benefits. Among adults who have not gotten vaccinated for COVID-19, about one in four (26%) say the risks of childhood vaccines for measles, mumps, and rubella outweigh the benefits. Nonetheless, it remains notable that even among adults who have not gotten the COVID-19 vaccine, most (70%) say the benefits of childhood MMR vaccines outweigh the risks.

Even Among Adults Who Have Not Gotten The COVID-19 Vaccine, Most Say The Benefits Of Childhood MMR Vaccines Outweigh Risks

While confidence in the benefits of childhood MMR vaccines remains high, the debate over COVID-19 vaccine mandates may have had some spillover effects on attitudes towards requiring MMR vaccines for children attending public school. Currently, all states and the District of Columbia require children to be vaccinated against certain diseases, including measles and rubella, in order to attend public schools, though exemptions are allowed in certain circumstances. Yet, there has been a notable decrease since 2019 in the share of adults who say “healthy children should be required to be vaccinated (for MMR) in order to attend public schools because of the potential risk for others when children are not vaccinated,” with 71% saying they should be required to do so, an 11 percentage point decrease from a October 2019 Pew Research Center poll. Almost three in ten (28%) now say parents “should be able to decide not to vaccinate their children, even if that may create health risks for other children and adults,” an increase from 16% in 2019.

This decrease in support for MMR vaccine requirements for children in public schools is driven by Republicans and Republican-leaning independents – just a slight majority of Republicans (56%) say healthy children should be required to be vaccinated to attend public schools, a 23 percentage-point decline from 2019 when about eight in ten expressed support for such a requirement. More than four in ten Republicans and Republican-leaning independents (44%) now say that parents should be able to decide not to vaccinate their children, up from 20% in 2019. This compares to 11% of Democratic-leaning parents who say the same, a share that has held steady since 2019.

Among parents of children under age 18, about two-thirds (65%) think healthy children should be required to be vaccinated to attend public schools, down from 76% who said the same in 2019. One-third (35%) of parents now believe parents should be able to decide not to vaccinate their children, up from 23% in 2019.

Compared To 2019, More Adults Now Say Parents Should Be Able To Decide Not To Vaccinate Their Children For Measles, Mumps, And Rubella

While we cannot know the pre-pandemic attitudes that adults who are currently not vaccinated for COVID-19 held about childhood MMR vaccines, most (63%) of these adults unvaccinated for COVID-19 say that parents should be able to decide not to vaccinate their children, even if that creates health risks for children and adults. Just about four in ten (37%) adults who are not vaccinated for COVID-19 say that healthy children should be required to be vaccinated in order to attend public school.

About Six In Ten Adults Unvaccinated For COVID-19 Say Parents Should Be Able To Decide Not To Vaccinate Their Children For MMR

COVID-19 And Other Winter Illnesses

With reports of COVID-19 cases increasing across the country, just about a third of adults (36%) say they are worried that they will get seriously sick from COVID-19, similar to the share which expressed this concern in January (34% worried) amidst the initial omicron surge in the U.S., but up from November 2021 (30% worried) before the omicron variant became widespread. However, about half of the public (49%) say they are worried that there will be an increase in COVID-19 cases and hospitalizations this year. Adults ages 65 and older, who are more vulnerable to negative outcomes from a COVID-19 infection, are more likely than younger adults to express worry about a winter COVID-19 surge (60% vs. 46%) and to worry that they will get seriously sick from the virus (43% vs. 34%).

As previous KFF surveys have found time and time again, people of color continue to be more concerned about the pandemic compared to White adults. The December KFF COVID-19 Vaccine Monitor survey finds that about two-thirds of Black adults (68%) and Hispanic adults (69%) say they are very worried about an increase in COVID-19 cases and hospitalizations this winter, compared to about four in ten White adults (39%) who express the same concern. Black and Hispanic adults (49% and 60%, respectively) are also more likely than White adults (26%) to worry that they will personally get seriously sick from the virus.

About A Third Of Adults Are Worried They Will Get Sick From COVID-19, While Half Are Worried About A Surge In Cases And Hospitalizations This Winter

Worries About COVID-19 And Other Winter Viruses In Children

This winter has not only brought reports of increasing COVID-19 cases, but also widespread reports of a surge in flu and RSV cases, particularly among children. In a sign that COVID-19 is changing from being a singular concern to part of the landscape of different illnesses people worry about, parents’ worries about their children getting sick from COVID this winter are about on par with their worries about other viruses like flu and RSV. About half of parents (47%) say they are “very” or “somewhat” worried that their children will get seriously sick from COVID-19 and a similar share (51%) say they are worried their children will get seriously sick from the flu. A slight majority of parents (56%) say they are worried their child will get seriously sick from RSV – rising to 73% of parents with children under the age of 5, who are particularly vulnerable to RSV. Notably, despite half of parents saying they are worried their child may get seriously sick from the flu, just a third of parents (34%) say their child has gotten a flu shot for the current flu season.

About Half Of Parents Are Worried Their Child Will Get Seriously Sick From RSV, The Flu, Or COVID-19

Uptake Of The Updated Bivalent COVID-19 Booster

Although for many people COVID-19 may be less of an urgent concern this winter, public health officials continue to emphasize the importance of boosters in reducing the risk of serious illness and death particularly among the most vulnerable. Despite this, the public’s response to the new bivalent booster has been somewhat lackluster. About four in ten adults say they have either received the updated bivalent COVID-19 booster dose (22%)1 , which has been available since September, or say they plan to get the new booster as soon as possible (16%). About one in ten adults say they want to “wait and see” before getting the new booster (12%), while a similar share (13%) say they will only get it if they are required to do so. A further 9% say they will definitely not get the new updated booster while about one in four adults (27%) are unvaccinated or only partially vaccinated, and therefore not eligible for the updated bivalent booster dose.

About Four In Ten Adults Report Getting New Bivalent COVID-19 Booster Or Say They Will Do So As Soon As Possible

KFF’s September COVID-19 Vaccine Monitor survey, fielded shortly after the new updated booster was made available, found that more than a third of older adults ages 65 and older said they intended to get the updated booster as soon as possible. This month’s survey finds that many of these older adults remain eager, with four in ten adults ages 65 and older (39%) saying they have already gotten the updated COVID-19 booster while 16% say they will do so as soon as they can. However, this still leaves more than half of older adults, who are more vulnerable to complications from a COVID infection, without the protection of the updated booster.

Democrats also seem eager to get the updated booster with about four in ten (38%) saying they have already done so. Indeed, Democrats are three times as likely as Republicans to report having already gotten the updated COVID-19 booster (38% vs. 12%). Notably, about three in ten Republicans say they will only get the updated booster if they are required to do so (12%) or say they will “definitely not” get the new COVID-19 booster dose (18%). A further 37% of Republicans are unvaccinated or only partially vaccinated and therefore not eligible for the new updated COVID-19 booster dose.

Adults Ages 65 And Older And Democrats Are Among The Most Likely To Report Having Gotten The Updated COVID-19 Booster

Vaccinated adults who have not yet gotten a dose of the bivalent COVID-19 booster cite a variety of reasons for not getting the updated booster; about four in ten (44%) say they do not think they need it and about a third (37%) say they do not think the benefit is worth it. About a third (36%) say they have been too busy or have not had the time to get it, while about one in four (23%) say they have not gotten the updated booster because they had bad side effects from a previous COVID-19 vaccine dose. About one in six (17%) vaccinated adults who have not gotten the updated booster say they have not done so because they are waiting to see if COVID-19 cases increase in their area, while 12% say they are waiting until before they travel or see vulnerable family and friends to get the updated booster.

Though public health officials have stressed the importance of the updated COVID-19 booster for older adults, who are more vulnerable to complications from a COVID infection, about one third (36%) of vaccinated adults ages 65 and older who have not yet gotten the booster say they don’t think they need it (36%) and a similar share say they don’t think the benefit of the updated booster is worth it. About one in four (23%) vaccinated adults ages 65 and older say they have not gotten the updated booster because they have been too busy or have not had time to get it yet.

Notably, at least six in ten vaccinated Republicans or Republican leaning independents who have not yet gotten the updated booster say they haven’t done so because they don’t think they need it (64%) or do not think the benefit is worth it (61%). Among vaccinated Democrats or Democratic-leaning independents who have not yet gotten the updated booster, the most common reason for not yet doing so is having been too busy or not having the time to get it (51%).

Large Shares Of Vaccinated Republicans And Republican-Leaning Independents Are Skeptical Of The Value Of The Updated COVID-19 Booster

About one in four parents of teenagers ages 12 to 17 say their child has already gotten the updated COVID-19 booster (16%) or that they will definitely be doing so (8%). A further 18% say their teen will probably get the update booster. Notably, about four in ten parents of teenagers say their 12-17 year old is not vaccinated for COVID-19 and therefore not eligible to get the updated bivalent booster.

Among parents of younger children between the ages of 5 and 11, six in ten (61%) say their child is unvaccinated and therefore not eligible for the new COVID-19 booster. About one in five parents say their 5 to 11 year old has either gotten the updated booster (14%) or will definitely be doing so (7%), while a further 9% say their child will probably get the updated booster.

Fewer Than Half Of Parents Of Children Between The Ages of 12-17 And 5-11 Say Their Child Has Gotten The Updated Booster Or Will Likely Do So

Methodology

This KFF COVID-19 Vaccine Monitor Poll was designed and analyzed by public opinion researchers at the Kaiser Family Foundation (KFF). The survey was conducted November 29 – December 8, 2022, online and by telephone among a nationally representative sample of 1,259 U.S. adults in English (1,203) and in Spanish (56). The sample includes 1,029 adults reached through the SSRS Opinion Panel[1] either online or over the phone (n=32 in Spanish). The SSRS Opinion Panel is a nationally representative probability-based panel where panel members are recruited randomly in one of two ways: (a) Through invitations mailed to respondents randomly sampled from an Address-Based Sample (ABS) provided by Marketing Systems Groups (MSG) through the U.S. Postal Service’s Computerized Delivery Sequence (CDS); (b) from a dual-frame random digit dial (RDD) sample provided by MSG. For the online panel component, invitations were sent to panel members by email followed by up to three reminder emails. 1,004 panel members completed the survey online and panel members who do not use the internet were reached by phone (n=25).

Another 230 (n=24 in Spanish) interviews were conducted from a random digit dial telephone sample of prepaid cell phone numbers obtained through MSG. Phone numbers used for the prepaid cell phone component were randomly generated from a cell phone sampling frame with disproportionate stratification aimed at reaching Hispanic and non-Hispanic Black respondents. Stratification was based on incidence of the race/ethnicity groups within each frame.  Respondents in the phone samples received a $15 incentive via a check received by mail, and web respondents received a $5 electronic gift card incentive (some harder-to-reach groups received a $10 electronic gift card).

The online questionnaire included two questions designed to establish that respondents were paying attention. Cases that failed both attention check questions, those with over 30% item non-response, and cases with a length less than one quarter of the mean length by mode were flagged and reviewed. Cases were removed from the data if they failed two or more of these quality checks. Based on this criterion, one case was removed.

The combined cell phone and panel samples were weighted to match the sample’s demographics to the national U.S. adult population using data from the Census Bureau’s 2021 Current Population Survey (CPS). Weighting parameters included sex, age, education, race/ethnicity, region, and education. The sample was weighted to match patterns of civic engagement from the September 2017 Volunteering and Civic Life Supplement data from the CPS and to match frequency of internet use from the National Public Opinion Reference Survey (NPORS) for Pew Research Center.  Finally, the sample was weighted to match patterns of political party identification based on a parameter derived from recent ABS polls conducted by SSRS polls. The weights take into account differences in the probability of selection for each sample type (prepaid cell phone and panel). This includes adjustment for the sample design and geographic stratification of the cell phone sample, within household probability of selection, and the design of the panel-recruitment procedure.

The margin of sampling error including the design effect for the full sample is plus or minus 4 percentage points. Numbers of respondents and margins of sampling error for key subgroups are shown in the table below. For results based on other subgroups, the margin of sampling error may be higher. Sample sizes and margins of sampling error for other subgroups are available by request. Sampling error is only one of many potential sources of error and there may be other unmeasured error in this or any other public opinion poll. Kaiser Family Foundation public opinion and survey research is a charter member of the Transparency Initiative of the American Association for Public Opinion Research.

GroupN (unweighted)M.O.S.E.
Total1,259± 4 percentage points
Race/Ethnicity
White, non-Hispanic771± 5 percentage points
Black, non-Hispanic190± 10 percentage points
Hispanic226± 9 percentage points
 
Party identification
Democrat463± 6 percentage points
Republican327± 7 percentage points
Independent297± 8 percentage points
Parents
Total parents377± 7 percentage points
Parent with a child ages 6 months through 4 years old133± 11 percentage points
Parent with a child ages 5-11201± 9 percentage points
Parent with a child ages 12-17193± 10 percentage points

 

Endnotes

  1. KFF’s COVID-19 Vaccine Monitor data on vaccine and bivalent booster uptake is based on self-reported responses and may differ data from the Centers for Disease Control which is based on administered doses reported by specific jurisdictions and providers. ↩︎

Four Key Changes in the Biden Administration’s Final Rule on Medicare Enrollment and Eligibility

Published: Dec 15, 2022

The Centers for Medicare & Medicaid Services (CMS) issued a final rule on October 28, 2022 to implement several changes in Medicare enrollment and eligibility that were included in the Consolidated Appropriations Act of 2021 (CAA). These changes are designed to minimize gaps in coverage for people who sign up for Medicare and improve access to care by shortening the gap between Medicare enrollment and coverage; creating new Special Enrollment Periods for individuals whose coverage would otherwise be delayed due to challenging circumstances, such as a natural disaster; and extending coverage of immunosuppressive drugs for certain beneficiaries with end-stage renal disease (ESRD) who would otherwise lose coverage for these drugs after their kidney transplant.

This brief highlights four key changes related to Medicare enrollment and eligibility under the final rule, and summarizes the estimated impact of these provisions on coverage and costs. These provisions are expected to reduce gaps in coverage for people when they first sign up for Medicare, and have a negligible impact on Medicare spending, according to CMS estimates.

Figure 1: Summary of Four Key Changes in the Biden Administration’s Final Rule on Medicare Enrollment and Eligibility

1. The final rule accelerates the start of Medicare coverage for beneficiaries who enroll during the Initial Enrollment Period

Individuals have several opportunities to enroll in Medicare. They can enroll when they first become eligible for Medicare during the Initial Enrollment Period, during the annual General Enrollment Period, or during a Special Enrollment Period. People are generally advised to sign up for Medicare during their Initial Enrollment Period, unless they have group health plan coverage from an employer. Individuals with insurance coverage through the Marketplace or COBRA are also advised to sign up for Medicare during their Initial Enrollment Period. Depending upon when they enroll in Medicare, individuals may face a gap in coverage and late enrollment penalties. Late enrollment penalties are added to a beneficiary’s monthly premium costs for the remainder of their Medicare enrollment. For Medicare Part B, 10% is added to the standard Part B monthly premium for each 12-month period a beneficiary delays enrollment in Part B. The new rule reduces the gaps in coverage between the date of enrollment and coverage during both the Initial Enrollment and General Enrollment Periods, effective January 1, 2023.

Policy prior to January 1, 2023

When an individual is turning 65, their first opportunity to sign up for Medicare is during a 7-month window called the Initial Enrollment Period. This period spans three months before the month of their 65th birthday, the month of their birthday, and three months after it. When Medicare coverage begins depends on when an individual enrolls during their Initial Enrollment Period. Under the policy in effect prior to January 1, 2023, individuals who enrolled during the last three months of their Initial Enrollment Period could face gaps between signing up and the start of Medicare coverage:

  • If an individual signs up for Medicare during any of the first 3 months, their coverage begins the first day of the month they turn 65. If a beneficiary signs up during the month they turn 65, coverage starts the first day of the following month.
  • If they sign up 1 month after they become eligible, coverage begins 2 months later, and if they sign up 2 or 3 months after they become eligible, coverage begins 3 months later.

New policy

This rule shortens the time between enrollment and Medicare coverage for individuals who enroll in Medicare during the last three months of their Initial Enrollment Period. Individuals who sign up for Medicare during the last three months of their Initial Enrollment Period will be covered under Medicare the first day of the month following the month in which they enroll.

Examples of how this new policy will affect Medicare coverage

  • Mary turned 65 on April 1, 2022, before the new rule took effect. Her 7-month Initial Enrollment Period started three months before her birthday (January) and ended three months after the month she turned 65 (July). Mary signed up for Medicare on July 1, the seventh month of her Initial Enrollment Period. Her Medicare coverage started on October 1, leaving her without Medicare coverage for three months after she enrolled in Medicare, and six months after her 65th
  • Mary’s younger sister, Anne, is turning 65 on April 1, 2023. Under this new rule, if Anne enrolls in Medicare on July 1, 2023, the seventh month of her Initial Enrollment Period, her Medicare coverage will take effect on August 1 (the first day of the month following enrollment), a shorter gap in coverage than her older sister Mary experienced before the final rule took effect.

2. The final rule shortens the gap between enrollment and Medicare coverage for beneficiaries who enroll during the General Enrollment Period

Policy prior to January 1, 2023

If an individual misses their Initial Enrollment Period for Medicare, they can enroll during the General Enrollment Period, which runs from January 1 to March 31 each year. Under the policy in effect until January 1, 2023, for individuals who enrolled at any point during the General Enrollment Period, Medicare coverage would begin on July 1, resulting in up to a six-month gap between Medicare enrollment and the start of coverage.

New policy

Individuals who sign up for Medicare at any point during the General Enrollment Period will be covered under Medicare the first day of the month after they sign up, rather than waiting until July 1.

Examples of how this new policy will affect Medicare coverage

  • John’s 65th birthday was June 15, 2021 (prior to the effective date of the new rule), but he missed his 7-month Initial Enrollment Period, which started three months before his birthday in March 2021 and ended September 2021. His next opportunity to enroll in Medicare was during the next General Enrollment Period, between January 1 and March 31, 2022. John signed up for Medicare during the first week of January, and his Medicare coverage started on July 1, leaving him without Medicare coverage for more than a year after his 65th birthday and six months after he signed up during the General Enrollment Period.
  • John’s brother, Mike, turned 65 on June 15, 2022. He also missed the opportunity to enroll in Medicare during his Initial Enrollment Period and instead plans to sign up during the next General Enrollment period, January-March 2023. If Mike signs up during January, his coverage will begin the following month, on February 1, 2023, rather than on July 1, as it would have under the old policy. The final rule will reduce the number of months people like Mike would have to wait to be covered by Medicare.

3. The final rule establishes new Special Enrollment Periods to reduce gaps in coverage for people who missed their Medicare enrollment period due to certain circumstances

Medicare’s Special Enrollment Periods allow beneficiaries to sign up for Medicare Part B and Premium-Part A or change the type of Medicare coverage they have under certain situations, without being subject to a late enrollment penalty. The time period for enrollment under these Special Enrollment Period, as well as the types of coverage changes that can be made, vary based on circumstances. For example, individuals who did not enroll in Medicare during their Initial Enrollment Period because they received health insurance through a qualified group health plan have an 8-month Special Enrollment Period to sign up for Medicare after they stop working or lose their group health plan coverage. Examples of other circumstances that grant existing Medicare beneficiaries a Special Enrollment Period to change their coverage include moving into or out of a facility (e.g., skilled nursing facility) or if Medicare terminates the beneficiary’s current Medicare Advantage plan. Generally, during a Special Enrollment Period, Medicare coverage, or the change in coverage, begins the first day of the month following enrollment.

Policy prior to January 1, 2023

Prior to the enactment of the Consolidated Appropriations Act of 2021, CMS did not have broad authority to create new Special Enrollment Periods, which potentially created gaps in coverage for individuals seeking to enroll in Medicare who had extenuating circumstances not specified in law (such as those listed above). As a result, some individuals with extenuating circumstances beyond their control, such as someone living in an area struck by a disaster, could miss their Initial Enrollment Period for Medicare and be subject to a late enrollment penalty as a result.

New policy

The Consolidated Appropriations Act of 2021 gives CMS the authority to create new Special Enrollment Periods for individuals who meet certain exceptional conditions. Using this authority, CMS finalized five new Special Enrollment Periods in this final rule that will provide people who missed a Medicare enrollment period because of exceptional circumstances an opportunity to enroll without having to wait for the General Enrollment Period. These Special Enrollment Periods are generally effective for circumstances that occur on or after January 1, 2023, and Medicare coverage will begin the first day of the month following the month of enrollment. For all of these Special Enrollment Periods, individuals will not be subject to a late enrollment penalty.

  • Individuals impacted by an emergency or disaster: The rule creates a Special Enrollment Period for individuals who missed an enrollment opportunity because they were impacted by certain government-declared emergencies and disasters. To qualify, an individual must demonstrate that they themselves, their authorized representative, legal guardian, or a person who makes health care decisions on behalf of them, lives in (or lived) in that impacted area. This Special Enrollment Period will begin on the date an emergency or disaster is declared and ends 6 months after the declaration has ended.
  • Individuals who experienced a health plan or employer error: This Special Enrollment Period is intended for individuals who did not enroll in Medicare because of misrepresentation by, or incorrect information from their employer, a group health plan, or agents and brokers of health plans. These individuals can enroll in Medicare without penalty starting from the date they notify the Social Security Administration of this error up to 6 months later.
  • Formerly incarcerated individuals: This Special Enrollment Period affects: (1) individuals who become newly eligible for Medicare while incarcerated who miss their Initial Enrollment Period while incarcerated; and (2) individuals who were enrolled in Medicare prior to their incarceration, who stop paying their Medicare premiums during incarceration (because Medicare does not cover services during incarceration), and have their Medicare coverage terminated. Both groups of individuals are required to enroll or re-enroll during the General Enrollment Period once they are no longer incarcerated and face a gap in coverage and penalty for late enrollment. This new Special Enrollment Period allows incarcerated individuals who become newly eligible for Medicare to enroll, and current Medicare beneficiaries who drop Medicare coverage while incarcerated to re-enroll, starting the day they’re released and up to 12 months later.
  • Individuals who lose Medicaid coverage: This Special Enrollment Period applies to Medicare-eligible individuals who lose Medicaid eligibility on or after January 1, 2023 or the end of the COVID-19 public health emergency (whichever is earlier). Under this Special Enrollment Period, Medicaid enrollees who lose Medicaid eligibility may sign up for Medicare without paying a late enrollment penalty, if they enroll at any time from the date they are notified that their Medicaid eligibility will be terminated up to 6 months after Medicaid eligibility ends. This new Special Enrollment Period was created in response to the expected disenrollment of many Medicaid enrollees who turned 65 during the public health emergency but did not lose their Medicaid coverage on account of requirements in the Families First Coronavirus Response Act. This law required Medicaid programs to keep people continuously enrolled through the end of the month in which the COVID-19 public health emergency ends, in exchange for enhanced federal funding. The public health emergency is currently in effect until January 11, 2023, and is expected to be extended again.
  • Other exceptional conditions: Under this rule, if an individual has an extenuating circumstance that caused them to miss a Medicare enrollment period, CMS can grant them a Special Enrollment Period on a case-by-case basis. The duration for this Special Enrollment Period can vary but will be no less than 6 months.

Examples of how these changes will affect Medicare coverage

  • Vanessa assists in making health care decisions on behalf of her mother. In August 2023, the governor in Vanessa’s state declares a state of emergency because of a hurricane affecting the county where she lives. Due to the impact of the hurricane, she is unable to help her mother, who lives in a state that was not affected by the hurricane, sign up for Medicare during her Initial Enrollment Period. This new policy will allow Vanessa to help her mom sign up for Medicare up to 6 months after the end of the emergency, reducing the gap between Medicare enrollment and coverage her mother would have otherwise faced, and eliminating any late-enrollment penalties that would otherwise have applied.
  • Robert, a 65-year-old man, is enrolled in Medicaid because of his low income. He does not have any dependent children or disabilities and is only eligible for Medicaid through the Affordable Care Act. He turned 65 in June 1, 2022 but did not enroll in Medicare because he was still enrolled in Medicaid. Prior to his 65th birthday, his state was supposed to send out a letter saying that he would no longer be eligible for Medicaid through the Affordable Care Act, but that he would be eligible for Medicare. However, his state doesn’t send the letter until after the public health emergency ends and Robert has missed his Initial Enrollment Period (March 2022-September 2022). This new rule will allow him to sign up for Medicare from the date he receives the letter notifying him of his Medicaid termination up to 6 months after his Medicaid benefits are terminated, without paying the late enrollment penalty or waiting until the next General Enrollment Period in 2024 to sign up.

4. The final rule extends Medicare coverage of immunosuppressive drugs for certain kidney transplant patients

Adults under the age of 65 with end-stage renal disease (ESRD) qualify for Medicare coverage on the basis of their ESRD diagnosis. Medicare covers all of their covered medical services, not just those related to their ESRD, including kidney transplants, which requires immunosuppressive drugs to prevent the body from rejecting the transplanted kidney. In 2022, there were more than 230,000 Medicare beneficiaries under age 65 with ESRD, including those who qualified on the basis of their ESRD only, representing about 3% of beneficiaries under age 65.

Policy prior to January 1, 2023

When a Medicare beneficiary under the age of 65 with ESRD receives a kidney transplant, their Medicare coverage has ended 36 months after the month in which they received their transplant, unless they’re eligible for Medicare on another basis, such as turning 65 or having a disability. Termination of Medicare coverage can lead to gaps in coverage and adverse health outcomes (e.g., organ rejection) for patients who have received a kidney transplant and continue to need immunosuppressive drugs beyond the point at which their Medicare coverage ends, unless they are able to obtain coverage through another source.

New policy

The final rule allows certain Medicare beneficiaries who have undergone a kidney transplant and would otherwise lose access to Medicare coverage beyond the 36-month post-transplant period to receive coverage only for immunosuppressive drugs after this point through a new Part B benefit referred to as the immunosuppressive drug benefit, or the Part B-ID benefit. Beneficiaries who qualify for the new Part B-ID benefit will not receive coverage for Medicare-covered items and services other than immunosuppressive drugs. The monthly premium for this benefit ($97.10 for 2023) will be less than the standard Part B premium ($164.90 in 2023) and will be higher for those with higher incomes. The standard Part B deductible will apply ($226 in 2023), after which beneficiaries will be responsible for 20% coinsurance for immunosuppressive drugs. There are no late enrollment penalties regardless of when an individual enrolls in the benefit. The rule also allows low-income beneficiaries who are eligible for the Part B-ID benefit to enroll in the Medicare Savings Programs if they qualify, which will help to alleviate the financial burden of costs associated with the new Part B-ID benefit.

If a beneficiary’s Medicare coverage ends before January 1, 2023, they can enroll in the new immunosuppressive drug benefit from October 1, 2022 through December 31, 2022 and coverage will start on January 1, 2023. If a beneficiary’s coverage ends on or after January 1, 2023, they can enroll at any time afterwards, and coverage will begin the month their Part A benefits ends.

Eligible beneficiaries: To be eligible for the new Part B-ID benefit, a beneficiary must be enrolled, or previously enrolled, in Medicare on the basis of their ESRD status, undergo a kidney transplant, and NOT be enrolled, or expect to be enrolled, in certain specific forms of health insurance or other programs that cover immunosuppressive drugs. For example, individuals enrolled in a group health plan, TRICARE for Life program, or a state plan that provides benefits for immunosuppressive drugs will not qualify for this new benefit. Additionally, beneficiaries who become eligible for Medicare based on other reasons (e.g., turning 65, having a disability) will not be eligible for this benefit because they have access to broader Medicare coverage.

Example of how this new Policy will affect Medicare coverage

  • Janet is a 35-year-old who became eligible for Medicare because she was diagnosed with ESRD. She received a kidney transplant on January 1, 2019. Her Medicare coverage terminated on January 1, 2022, 36 months after her transplant, because she did not meet other criteria to remain on Medicare. Since then, she has been uninsured and lacked coverage for her immunosuppressive drugs. Under this new policy, Janet will be able to sign up to receive Medicare coverage for her immunosuppressive drugs through this new Part B-ID benefit. She can sign up starting on October 1, 2022, and her coverage will begin January 1, 2023.

What is the estimated impact of the final rule on Medicare enrollment and costs?

These provisions of the final rule are expected to improve gaps in Medicare coverage with minimal impact on Medicare spending. Table 1 provides an overview of CMS’s estimates on the number of individuals impacted, costs to beneficiaries, and costs to Medicare resulting from these changes.

Summary of Estimated Impact of the Final Rule on Medicare Enrollment and Costs