How Were Hospital Admissions Impacted by COVID-19? Trends in Overall and Non-COVID-19 Hospital Admissions Through August 8, 2020

Authors: Tyler Heist, Karyn Schwartz, and Sam Butler
Published: Oct 19, 2020

Issue Brief

Approximately seven months after the coronavirus sparked social distancing measures and concerns about hospital capacity, new medical records data help shed light on the magnitude of the drop in hospital admissions and the more recent rebound in hospitalizations. These new data provide additional information to help assess the economic impact of the COVID-19 pandemic on hospitals and insurers and also provide more information to help assess the extent to which people are still delaying or forgoing care. We analyze trends in total hospital admissions and then separately analyze non-COVID-19 admissions by patient sex, age, and region. We calculate actual admissions as a share of total predicted admissions in 2020 based on trends from past years. Key findings include:

  • Total hospital admissions dropped to as low as 68.6% of predicted admissions during the week of April 11, 2020 and then increased to a high of 94.3% of predicted levels by the week of July 11, 2020. As of August 8, 2020, admission volume has dipped slightly to 90.8% of predicted levels.
  • Overall, the number of hospitalizations lost due to declines in admissions between March 8 and August 8, 2020, represent 6.9% of the total expected admissions for 2020.
  • When looking specifically at non-COVID-19 admissions, people age 65 and older had about half as many admissions in late March and April compared to what was predicted. While their admissions have increased somewhat, they stabilized at approximately 80-85% of their predicted level in late July and early August—while admissions for people under age 65 were at about 90% of predicted levels during the same period.

This new analysis is based on electronic medical record (EMR) data from Epic Health Research Network (EHRN) and includes all inpatient hospital admission volume from Dec 31, 2017 to August 8, 2020, involving patients who either were discharged or died, as of September 13, 2020. Data are aggregated weekly and pooled from 27 health care organizations in the United States, representing 162 hospitals that span 21 states and cover 22 million patients. These states represent 67.0% of COVID-19 cases as of September 23, 2020 and also represent 66.5% of the U.S. population.1  Predicted volume was calculated using historical data from Dec 31, 2017 to Jan 25, 2020.2  COVID-19 admissions were identified as admissions with either a documented COVID-19 diagnosis (U07.01) or other respiratory diagnosis involving a patient who either had tested positive or presumptive positive for COVID-19 or received a COVID-19 diagnosis within 14 days of the admission.

Several recent studies show that, beginning in March 2020, social distancing measures, concerns over hospital capacity, and fears of contracting COVID-19 led to sharp declines in health care spending.3  Across all health care services, not including pharmaceutical drugs, expenditures were down 38% in April 2020, compared to April 2019. More recently, overall spending on health care has started to rebound and, by June, spending was only 10% lower than the previous year.4 

An earlier EHRN analysis of EMR data found similar patterns for emergency department visits for acute myocardial infarctions and stroke, with sharp declines followed by increases that brought those emergency department visits roughly back to expected rates. In late March to early April, the incidence of these conditions as reported in hospital emergency department records was down by 45% for AMIs and 38% for strokes.5  By the end of May, the weekly incidence of acute myocardial infarction admissions had returned to approximately 92% of the pre-pandemic trend (prior to March 13, 2020). Similarly, the incidence of emergency department visits for stroke returned to approximately 87% of the historical trend.6  Analysis of EMR data for breast, cervical, and colon cancer screenings showed an even sharper decline beginning in early March followed by an increase in screenings; even so, screening rates have remained far below 2019 levels.7  By mid-June, weekly volumes for these cancer type screenings remained roughly 30-35% lower than their pre-COVID-19 levels.

A recent analysis of outpatient office visits published by the Commonwealth Fund found that visits fell nearly 60% by early April and then increased, plateauing as of July at 10% below the pre-pandemic baseline.8  Another analysis of outpatient visits that included data through May 15, 2020 found that non-COVID-19 outpatient visits dropped by almost 40 percent by mid-April and then started to increase by mid-April.9  An analysis of data from 18 states that was published by the Health Care Cost Institute found similar patterns for childhood vaccinations and cancer screenings.10  A study published in September in Health Affairs used data from a national medical group specializing in hospital medicine to analyze hospital admissions.11  That study reported similar patterns to ours—with all medical admissions in April having declined by 34.1%, and by June/July they were 8.3% lower relative to baseline volume.

Our analysis of EMR data shows a precipitous drop in hospital admissions starting the week of March 14, 2020, falling to a low of roughly 70% of predicted admissions by the week of April 11 (Figure 1)—just four weeks after the March 13, 2020 national emergency proclamation. Admissions gradually began to increase soon after that date and, by July 11, admissions were back to approximately 95% of their predicted level. More recently, total admissions dipped slightly and are now at about 90% of predicted levels.

Figure 1: Overall Admissions Decreased in March and April but Were Back at About 95% of Predicted Admissions by July 2020

The “lost” admissions between March 8 and August 8, 2020 account for 6.9% of the total number of admissions predicted during the 2020 calendar year. If the number of admissions remains at about 90% of predicted admissions (as they were on August 8) through the end of the year, total admissions will be 10.5% below predicted volume for the entire year. If there are new restrictions on non-emergency procedures in the latter part of 2020, the share of “lost” admissions likely will be higher.

Implications for hospital finances

This drop in admissions was not something that hospitals could have anticipated at the beginning of the year and suggests revenue losses that may be difficult for some hospitals to weather. Hospitals’ financial strength differs widely. One recent study found that the median hospital had enough cash on hand to pay its operating expenses for 53 days in 2018, but the 25th percentile hospital only had enough cash on hand for 8 days.12  Smaller hospitals and rural hospitals are among those most likely to face financial challenges in the wake of revenue loss related to COVID-19. These hospitals may be more likely to close or merge if they do not have the financial resources to make up for declines in revenue caused by the declines in admissions shown in our data.

Hospitals and other health care providers have qualified for various types of federal assistance during the coronavirus pandemic. However, much of this money was not targeted to safety net hospitals operating on narrow margins.13  Most notably, hospitals and other Medicare and Medicaid providers received grants from the $175 billion provider relief fund that is being distributed by the Department of Health and Human Services (HHS). Hospitals qualified for grants that were the equivalent to a minimum of 2% of revenue and on average received grants that amounted to about 5.6% of revenue.14  Hospitals that qualified for additional grants either qualified by seeing a high number of COVID-19 inpatients by June 10 or were children’s hospitals, rural hospitals and/or safety net hospitals. About $30 billion remains available for future grant allocations as of October 8, 2020.15  It is unclear how the Department of Health and Human Services will allocate that money. How declines in admissions translates into lost hospital revenue depends on the type of admissions that were missed and which insurers paid for those admissions. Private insurers typically reimburse at higher rates than Medicare or Medicaid, and reimbursement widely varies by type of admission.16 

Hospitals and other providers that participate in traditional Medicare were also eligible for loans through the Medicare Accelerated and Advance Payment Programs, which are designed to help hospitals facing cash flow disruptions during an emergency. About 80% of the $100 billion in loans went to hospitals.17  Repayment for the loans was originally set to begin in August, but Congress later delayed when repayments would begin and extended the period for repayment.18 

Hospitals are also receiving a 20% increase in inpatient reimbursement for COVID-19 patients during the current public health emergency. The Congressional Budget Office estimated that this change will increase Medicare spending by about $3 billion.19  Hospitals may also be eligible for loans being distributed by the Treasury department, the Federal Reserve, and Small Business Administration.

Implications for insurer finances

Health insurers, in contrast, may be benefiting financially from this decline in hospital admissions. Many insurers have been reporting large profits despite voluntarily eliminating cost sharing for patients with COVID-19.20  The Affordable Care Act’s (ACA) Medical Loss Ratio limits the share of premiums that insurers can keep for overhead and profit. This means that beneficiaries get a refund check from their insurer if it did not spend a sufficient share of premiums on health care costs for beneficiaries. Using preliminary data reported by insurers to state regulators and compiled by Market Farrah Associates, KFF estimated insurers will be issuing a total of about $2.7 billion in rebates across all markets in 2020—nearly doubling the previous record high of $1.4 billion last year.21 

We used EMR data from EHRN to look specifically at non-COVID-19 admissions by patient sex, age and region. By looking specifically at non-COVID-19 admissions, we can more easily assess declines in the use of health care due to voluntary and mandatory delays in non-emergency care. This analysis does not include specific diagnoses or procedures to assess which types of admissions had the steepest declines. Declines in certain types of admissions—such as car crashes—may be explained by changes in habits due to the coronavirus pandemic. However, as discussed earlier in this paper, declines in cancer screenings suggest that the overall decline in admissions is also a sign of patients delaying or foregoing preventive care and therefore not starting necessary treatments. Some cancer treatments were also delayed earlier in the pandemic,22  although those treatments may now have resumed in many cases.

Non-COVID-19 admissions by sex

Non-COVID-19 admissions for both male and female patients dropped to about 60% of predicted admissions in April 2020 and then increased to roughly 85-90% of predicted admissions by the summer (Figure 2). On an absolute level, admissions for female patients remained about 20% higher than for male patients (data not shown). Much of this differential is likely due to women’s admissions for childbirth.

Figure 2: Males and Females Had Almost Identical Patterns of Changes in Non-COVID-19 Admissions

Non-COVID-19 admissions by age

We stratified the EHRN admissions data by age to assess trends in non-COVID-19 admissions for patients age 65 and older compared to younger patients. We found that admissions for patients age 65 and older was just 50-55% of predicted levels in April 2020, compared to 65-70% of predicted levels for younger patients (Figure 3). Admissions among patients age 65 and older have not rebounded as quickly as younger patients. Admissions for patients age 65 and older were at roughly 80% of their predicted level in late July and early August, while admissions for patients under age 65 were at approximately 90% of predicted levels during the same time period. Individuals age 65 and older may be more reluctant to schedule non-emergency procedures given that they are at higher risk of serious illness if infected with the coronavirus.23 

The slower return to normal among older patients may lead to a change in hospitals’ payer mix. While patients age 65 and older typically have Medicare, the majority of younger patients have private insurance, which typically reimburses at a higher rate than Medicare.24  If hospitals experience an increase in the share of patients with private insurance, that could help mitigate some of the revenue declines they are likely to see from a drop in overall admissions.

Figure 3: People Age 65 and Older Had Larger Declines in Non-COVID-19 Hospital Admission than Those Who Are Younger

Non-COVID-19 admissions by region

We next examined how non-COVID-19 admission trends differed across geographic regions, using the regions defined by the U.S. Census Bureau. To give a sense of the geographic distribution of our dataset, admissions from the Northeast, Midwest, South, and West regions account for 22%, 37%, 28%, and 13% of overall admissions, respectively. Hospitals in the Northeast experienced the steepest decline in non-COVID-19 admissions, with those admissions decreasing to a low of roughly 50% of predicted admissions the week of April 11 (Figure 4). Admissions in the Northeast have since increased and were at 87% of predicted levels in early August. Hospitals in the Midwest followed a similar pattern but did not experience quite as steep an initial decline in admissions. In the South, where the number of cases increased in some states during the summer, there has been less of a rebound in non-COVID-19 admissions and those admissions were about 82% of predicted levels in early August. Hospitals in the West did not experience as large a decline in admissions, but also have not experienced as large of a rebound. By early August, admissions in the West were at about 83% of predicted levels.

Figure 4: Hospitals in the Northeast Experienced Steepest Initial Decline in Non-COVID-19 Admissions

Implications

This new analysis from the Epic Health Research Network provides additional insights into patterns of hospital admissions during the COVID-19 pandemic. This adds to a body of research showing the steep decline in admissions in the spring followed by a more recent rebound in admissions. By looking at the patterns in non-COVID-19 admissions, we can see how changes in behavior had a differential impact by region, age, and sex. If overall hospital admissions remain at or above 90% of predicted admissions, hospital revenues may stabilize at a somewhat sustainable level. However, if the coronavirus begins to spread more rapidly later in the fall and non-emergency procedures are once again delayed, it could have serious consequences both for hospitals’ financial stability and the health of patients.

Tyler Heist, Ph.D., and Sam Butler, M.D., are with the Epic Health Research Network. Karyn Schwartz, M.P.H., is with KFF.

Endnotes

  1. Epic data was compared to COVID-19 data from KFF, “State Data and Policy Actions to Address Coronavirus (available at: https://modern.kff.org/coronavirus-covid-19/issue-brief/state-data-and-policy-actions-to-address-coronavirus/) and U.S. population data from the U.S. Census Bureau, “State Population Totals and Components of Change: 2010-2019” (available at: https://www.census.gov/data/tables/time-series/demo/popest/2010s-state-total.html).   ↩︎
  2. The predictive model was based on data through Jan 25, 2020 because that was the first week with a reported COVID-19 case in the United States. We used a generalized additive model and fit it to weekly admission volume, combining long term trend, yearly seasonal, and holiday effects. Forecasts were then obtained for Jan 26, 2020 through Dec 26, 2020. ↩︎
  3. Cynthia Cox, Rabah Kamal, and Daniel McDermott, “How have healthcare utilization and spending changed so far during the coronavirus pandemic?” Peterson-KFF Health System Tracker, Aug. 6, 2020.   ↩︎
  4. Cynthia Cox, Rabah Kamal, and Daniel McDermott, “How have healthcare utilization and spending changed so far during the coronavirus pandemic?” Peterson-KFF Health System Tracker, Aug. 6, 2020.   ↩︎
  5. Jeff Trinkl, and Owen Sizemore, “Return to Near Average Number of ED Visits for Acute MI and Strokes 12 Weeks Post COVID-19 Emergency Declaration,” Epic Health Research Network, July 7, 2020.   ↩︎
  6. Jeff Trinkl, and Owen Sizemore, “Return to Near Average Number of ED Visits for Acute MI and Strokes 12 Weeks Post COVID-19 Emergency Declaration,” Epic Health Research Network, July 7, 2020.   ↩︎
  7. Christopher Mast and Alejandro Munoz del Rio, “Delayed Cancer Screenings—A Second Look,” Epic Health Research Network, July 17, 2020.   ↩︎
  8. Ateev Mehrotra, Michael Chernew, David Linetsky, Hilary Hatch, David Cutler, and Eric C. Schneider, “The Impact of the COVID-19 Pandemic on Outpatient Visits: Changing Patterns of Care in the Newest COVID-19 Hot Spots,” Commonwealth Fund, August 13, 2020   ↩︎
  9. Engy Ziedan, Kosali I. Simon and Coady Wing, “Effects of State Covid-19 Closure Policy on Non-Covid-19 Health Care Utilization,” National Bureau of Economic Research, July 2020.   ↩︎
  10. Katie Martin, Daniel Kurowski, Phillip Given, Kevin Kennedy, Elianna Clayton, “The Impact of COVID-19 on the Use of Preventive Health Care,” Health Care Cost Institute, Sept. 9, 2020 ↩︎
  11. John D. Birkmeyer, Amber Barnato, Nancy Birkmeyer, Robert Bessler, and Jonathan Skinner. “The Impact Of The COVID-19 Pandemic On Hospital Admissions In The United States.” Health Affairs September 24, 2020.   ↩︎
  12. Dhruv Khullar, Amelia M. Bond and William L. Schpero. “COVID-19 and the Financial Health of US Hospitals.” JAMA. 2020;323(21):2127–2128.   ↩︎
  13. Karyn Schwartz and Anthony Damico, “Distribution of CARES Act Funding Among Hospitals,” KFF, May 13, 2020.   ↩︎
  14. This was calculated using 2019 National Health Expenditure data to estimate total revenue. We assumed that hospitals received 50% of the $10.2 billion allocated to rural providers and assumed that hospitals did not get any of the $20 billion in Phase 3 funding.   ↩︎
  15. Karyn Schwartz and Jennifer Tolbert, “Limitations of the Program for Uninsured COVID-19 Patients Raise Concerns,” KFF, Oct. 8, 2020.   ↩︎
  16. Eric Lopez, Gary Claxton, Karyn Schwartz, Matthew Rae, Nancy Ochieng, and Tricia Neuman, “Comparing Private Payer and Medicare Payment Rates for Select Inpatient Hospital Services,” KFF, July 7, 2020; Eric Lopez, Tricia Neuman, Gretchen Jacobson and Larry Levitt, “How Much More Than Medicare Do Private Insurers Pay? A Review of the Literature,” KFF, April 15, 2020; MACPAC, “Medicaid Hospital Payment: A Comparison across States and to Medicare,” MACPAC, April 2017.   ↩︎
  17. Juliette Cubanski, Karyn Schwartz, Jeannie Fuglesten Biniek and Tricia Neuman, “Medicare Accelerated and Advance Payments for COVID-19 Revenue Loss: Time to Repay?” KFF, Aug. 7, 2020.   ↩︎
  18. Section 2501 of H.R. 8337.   ↩︎
  19. CBO, “Preliminary Estimate of the Effects of H.R. 748, the CARES Act, Public Law 116-136, Revised, With Corrections to the Revenue Effect of the Employee Retention Credit and to the Modification of a Limitation on Losses for Taxpayers Other Than Corporations,” CBO, April 27, 2020.   ↩︎
  20. Reed Abelson, “Major U.S. Health Insurers Report Big Profits, Benefiting From the Pandemic,” New York Times, Aug. 5, 2020; KFF, “When Cost-Sharing Waivers for COVID-19 Treatment Expire for People with Private Insurance Plans,” KFF, Aug. 24, 2020.   ↩︎
  21. Rachel Fehr and Cynthia Cox, “Data Note: 2020 Medical Loss Ratio Rebates,” KFF, April 17, 2020.   ↩︎
  22. American Cancer Society – Cancer Action Network, “COVID-19 Pandemic Impact on Cancer Patients and Survivors Survey Findings Summary,” American Cancer Society – Cancer Action Network, Available at: https://www.fightcancer.org/sites/default/files/National%20Documents/Survivor%20Views.COVID19 %20Polling%20Memo.Final_.pdf (accessed Oct. 8, 2020). ↩︎
  23. Centers for Disease Control and Prevention, “Your Health: Older Adults,” Centers for Disease Control and Prevention, Available at: https://www.cdc.gov/coronavirus/2019-ncov/need-extra-precautions/older-adults.html (accessed Oct. 8, 2020).   ↩︎
  24. Eric Lopez, Gary Claxton, Karyn Schwartz, Matthew Rae, Nancy Ochieng, and Tricia Neuman, “Comparing Private Payer and Medicare Payment Rates for Select Inpatient Hospital Services,” KFF, July 7, 2020. ↩︎

2021 Premium Changes on ACA Exchanges and the Impact of COVID-19 on Rates

Authors: Daniel McDermott, Nisha Kurani, Giorlando Ramirez, Nicolas Shanosky, and Cynthia Cox
Published: Oct 19, 2020

Insurers planning to offer health plans on the Affordable Care Act (ACA) marketplaces must submit filings to state or federal regulators detailing their plan offerings and justifying their premiums for the upcoming year. Rates are finalized in early fall (October 15, 2020) ahead of the annual open enrollment period, set to begin on November 1, 2020.

This year, insurers set premiums for 2021 amid the coronavirus pandemic, which has created considerable uncertainty as to what health costs, utilization and enrollment will look like next year. In 2020, many insurers have provided premium relief and/or voluntarily waived cost-sharing for COVID-19 treatment for their members due to excessive profits and low medical loss ratios during the pandemic. In our earlier look at preliminary rate filings in 10 states, we found that while overall proposed rate increases for 2021 appeared modest, most insurers were taking a “wait-and-see” approach, electing to hold off on factoring the pandemic into their premiums for next year until they had more predictability and claims experience.

Now that 2021 rates are being finalized, this brief summarizes the most current premium rate filings in all 50 states and the District of Columbia. We reviewed rate filings for an overall average premium increase across all plans on the individual market, with a focus on the effect of the pandemic on rate changes. We find that the majority of rate changes for 2021 are still moderate, with increases or decrease of a few percentage points. Proposed rate changes range from a -42.0% decrease to a 25.6% increase, though half fall between a 3.5% decrease and 4.6% increase (Table 1). Insurer and state level rates are shown in Table 2.

Table 1: Overall Rate Change and COVID-19 Load Among ACA Marketplace Plans
OverallRate ChangeImpact of COVID-19 on Rates*
25th Percentile-3.5%0.0%
Median1.1%0.0%
75th Percentile4.6%2.0%
*Among plans that specified an impact of COVID-19. Many filings included COVID-loads that were redacted.SOURCE: KFF analysis of insurer rate filings to state regulators.

118 of the 273 (43%) filings specified the effect of COVID-19 on their rates for next year. Among these insurers, the impact of COVID-19 on 2021 premiums ranges from a 3.4% decrease to an 8.4% increase, with half of insurers falling between no impact (0.0%) and 2.0% increases (Table 1). Many insurers used similar language to describe their approach to the pandemic, noting that it would put both upward and downward pressure on health costs in 2021 (see examples below).

The most common factors that insurers cited as driving up health costs in 2021 were the continued cost of COVID-19 testing, the potential for widespread vaccination, the rebounding of medical services delayed from 2020, and morbidity from deferred or foregone care. At the same time, many insurers expect health care utilization to remain lower than usual next year as people continue to observe social distancing measures and avoid routine care, especially in absence of a vaccine or in the event of future waves of the virus. At least 53 insurers included a COVID-19 impact of 0% on their premiums because they did not have enough information to confidently alter their premiums or estimated that these factors would offset one another. 29 of the 273 filings (11%) did not mention COVID-19 at all in their rate filings.

The range of COVID-19 loads included in 2021 rate filings partly reflects differences in issuers’ assumptions about the course of the pandemic and individual behavior next year. Below are a handful of representative explanations that insurers provided to justify any impact that COVID-19 had on their overall 2021 rate filings. These examples provide a glimpse of the different expectations that insurers have regarding the availability and distribution of a vaccine, the extent to which pent-up demand for health care services will rebound in 2021, and various other factors.

Pent-up demand and morbidity adjustments. Many insurers expect that health costs will increase in 2021 due to pent-up demand following deferred care, direct costs related to COVID-19 testing and treatment, and vaccination costs, assuming a vaccine will be ready and available to the general public next year. Some insurers also anticipate increased morbidity resulting from deferred care and the impact of that deferred care on chronic conditions, as well as from the impact of the economic downturn on individuals’ health and insurance status.

Fidelis (New York) – 8.4% COVID-load

“Premium rates have been adjusted 8.4% to reflect the estimated impact of the COVID-19 pandemic and secondary effects on the cost to provide healthcare coverage in 2021. The morbidity adjustment reflects the anticipated combined impact of COVID-19-related cost drivers on healthcare utilization and intensity in 2021, including:

  1. Direct cost of acute COVID-19 treatment, testing, and vaccination.
  2. Pent-up demand following social distancing “lockdown” measures
  3. Morbidity impact of economic disruption in the form of job terminations, leading to enrollment shifts from employer sponsored coverage to individual ACA and from individual ACA to Medicaid or uninsured
  4. Morbidity impact of lasting population health changes precipitated by the pandemic, including healthcare complications following recovery from severe cases of COVID-19, and worsened health outcomes due to deferred or avoided preventive care and maintenance care for chronic conditions during social distancing lockdown periods”

Vaccination costs. Some insurers specify loads for a likely vaccine. For instance, MVP Health Care in Vermont loaded an additional 1.0% to premiums in preparation for covering one dose of a COVID-19 vaccination (priced at $75) for 80% of their enrollees. (MVP also loaded another 0.3% for deferred services.)  Other insurers refrained from factoring in COVID-19 vaccine costs, citing a lack of credible information.

MVP (Vermont) – 1.3% COVID-load

“MVP is assuming that a vaccine to prevent the novel coronavirus (COVID-19) will be tested and widely available in 2021. To account for the costs an immunization would add to claim cost, MVP is assuming that an immunization would be covered in full at the cost of $75 per dose. MVP is also assuming that 80% of the population would obtain the vaccine (based on an analysis by Wakely Consulting), which corresponds to a PMPM claim cost of $5.00 PMPM. This factor is increasing the experience period allowed claim cost by 1.0%.”

No adjustments to premiums from COVID-19. Many insurers refrained from specifying any COVID-19 rate impact. Of those that did, several insurers said they would not adjust their rates, citing uncertainty about how the pandemic will affect costs next year. Others expect the upward and downward effects on costs resulting from the pandemic will have a net impact of zero. In some states such as Connecticut, insurers did not apply adjustments due to COVID-19 under the direction of state regulators.

CareSource Indiana, Inc (Indiana) – 0% COVID-load

At the time of this rate filing submission, we acknowledge there is substantial uncertainty regarding the impact of the COVID-19 pandemic on setting premium rates, including whether the pandemic will increase or decrease costs in 2021. Due to this uncertainty, we have chosen not to make adjustment to the 2021 premium rates.”

Expected decreases in premium costs due to COVID-19. Though less common, a few insurers expect that circumstances surrounding COVID-19 will have a net negative effect on their costs.

Maine Community Health Options (Maine) – -1.2% COVID-load

“An adjustment of -1.2% was applied to the 2019 experience to reflect the estimated impact of the COVID-19 pandemic. The adjustment was developed with consideration to the following key drivers of cost impacts:

  1. We have assumed a reduction in total claims experience in 2021 of 1.5% due to deferred and avoided care that will result from a second wave of infections, likely to coincide with the winter flu season.
  2.  We have assumed an increase in claim costs of 0.34% to cover the costs of continuing testing for COVID-19.
  3. No adjustment has been made to account for additional costs related to a potential vaccine. Not enough credible information exists to allow the development of estimates related to the cost and availability of a vaccine.”

Discussion

Most premium changes on the ACA marketplaces will be modest heading into 2021, even with the uncertainty surrounding the pandemic. Most individual market insurers that specify the impact of the pandemic on their 2021 premiums are loading an extra couple percentage points onto the premium (with the median COVID-19 factor being 1.9%). Thus far during the pandemic, individual market insurers have remained profitable and loss ratios have been low, on average, so large premium increases would have been hard to justify. That said, the range of assumptions that insurers have made about vaccine costs and availability, enrollee utilization, and general morbidity demonstrate just how much uncertainty remains about the state of the pandemic heading into next year.

Methods

Data were collected from health insurer rate filings submitted to state regulators. Most rate information is available in the for of a SERFF filings (System for Election rate and Form Filing) that includes a base rate and other factors that build up to an individual rate. This analysis only includes rate filings that were made public on or before October 15, 2020.

Table 2: Rate Change and COVID-19 Load Among ACA Marketplace Plans, By State and Insurer
State/InsurerRate ChangeImpact of COVID-19 on Rates
Alabama*
    Blue Cross Blue Shield of Alabama4.90%Unknown
    Bright Health Insurance Company25.60%Unknown
Alaska*
    Moda Assurance Company0.11%No mention
    Premera Blue Cross Blue Shield of Alaska-4.15%No mention
Arizona*
     Blue Cross and Blue Shield of Arizona1.82%Unknown
     Bright Health Company of Arizona9.33%Unknown
     Cigna HealthCare of Arizona1.87%No mention
     Health Net of Arizona-0.80%Unknown
     Oscar Health Plan-6.75%Unknown
Arkansas
    Celtic Insurance Company4.91%Unknown
    QCA Health Plan3.05%Unknown
    QualChoice Health and Life Insurance3.00%Unknown
    USAble Mutual Insurance2.90%0.00%
    Oscar Insurance CompanyNew entrantUnknown
    HMO Partners Health AdvantageNew entrant0.00%
California
    Blue Cross of California (Anthem)6.00%No mention
    Blue Shield of California-2.40%Unknown
    Chinese Community Health Plan-1.30%Unknown
    Health Net3.40%1.20%
    Kaiser Permanente1.00%Unknown
    LA Care Health Plan-4.60%No mention
    Molina Healthcare-3.80%0.90%
    Oscar Health Plan of California7.60%Unknown
    Sharp Health Plan-0.50%0.00%
    Valley Health Plan9.00%Unknown
    Western Health Advantage-2.60%Unknown
Colorado
    Anthem (HMO Colorado Inc.)0.30%Unknown
    Bright Health Insurance Company-5.50%Unknown
    Cigna Health and Life Insurance Company3.00%1.00%
    Denver Health Medical Plans-4.60%6.40%
    Friday Health Plan-5.10%No mention
    Kaiser Foundation Health Plan of Colorado-1.50%0.00%
    Oscar Health Plan-4.20%Unknown
    Rocky Mountain HMO-10.00%0.00%
Connecticut
    Anthem Health Plans1.90%0.00%**
    Connecticare-0.10%0.00%**
Delaware
    Highmark Blue Cross Blue Shield-1.00%Unknown
District of Columbia
    CareFirst HMO (Blue Choice)0.10%Unknown
    CareFirst PPO1.00%Unknown
    Kaiser Foundation Health Plan-1.97%Unknown
Florida
    AvMed-3.30%2.00%
    Blue Cross and Blue Shield of Florida3.70%2.00%
    Bright Health Insurance Company of Florida3.70%2.00%
    Celtic Insurance Company3.90%2.00%
    Cigna Health And Life Insurance Company-1.40%2.00%
    Florida Health Care Plan, Inc.-0.10%2.00%
    Health First Commercial Plans4.80%2.00%
    Health Options, Inc2.50%2.00%
    Molina Healthcare of Florida-1.80%2.00%
    Oscar Insurance Company of Florida2.90%2.00%
Georgia*
    Alliant Health Plans18.34%Unknown
    Ambetter of Peach State7.43%0.00%
    Anthem Blue Cross and Blue Shield10.10%3.00%
    CareSource Georgia-10.29%Unknown
    Kaiser Foundation Health Plan of Georgia-19.02%2.50%
    Oscar Health Plan of Georgia2.11%Unknown
Hawaii
    Kaiser Foundation Health Plan-1.06%No mention
    Hawaii Medical Service Association-3.10%No mention
Idaho
    Blue Cross of Idaho Health Service-3.50%No mention
    Mountain Health Cooperative2.00%0.00%
    Pacific Source Health Plans-7.10%0.00%
    Regence Blue Shield of Idaho-1.30%No mention
    SelectHealth5.90%No mention
Illinois*
    Blue Cross Blue Shield of Illinois-0.12%Unknown
    Celtic Insurance Company0.26%0.00%
    Cigna HealthCare of Illinois, Inc.0.89%1.00%
    Health Alliance Medical Plans, Inc.0.00%Unknown
    Quartz Health Benefit Plans Corporation-10.05%Unknown
Indiana
    Anthem Insurance Companies, Inc.-0.30%No mention
    CareSource Indiana, Inc.4.30%0.00%
    Celtic Insurance Company-0.55%1.90%
Iowa*
    Medica Insurance Company2.45%Unknown
    Wellmark Health Plan of Iowa, Inc.-42.04%Unknown
    Oscar Health Plan of IowaNew entrantUnknown
Kansas*
    Blue Cross and Blue Shield of Kansas0.70%Unknown
    Cigna Health and Life Insurance9.96%1.00%
    Medica Insurance Company7.78%5.00%
    Oscar Insurance Company-7.86%Unknown
    Sunflower State Health Plan4.00%Unknown
Kentucky
    Anthem Health Plans of Kentucky5.69%2.60%
    Care Source Kentucky4.00%Redacted
Louisiana*
    CHRISTUS Health Plan Louisiana7.44%Unknown
    HMO Louisiana9.50%Unknown
    Louisiana Health Service & Indemnity7.95%Unknown
    Vantage Health Plan2.64%Unknown
Maine
    Anthem Health Plans of Maine-12.50%2.50%
    Harvard Pilgrim Health Plan-13.00%0.00%
    Maine Community Health Options-13.70%-1.20%
Maryland
    CareFirst Blue Choice-11.90%0.00%
    CareFirst CFMI-17.10%0.00%
    CareFirst GHMS-17.10%0.00%
    Kaiser Foundation Health Plan-11.00%0.00%
    Optimum Choice (UnitedHealthcare)New EntrantUnknown
Massachusetts*
    Blue Cross and Blue Shield of Massachusetts HMO Blue6.17%0.00%
    Fallon Community Health Plan3.52%0.00%
    Harvard Pilgrim Health Care7.25%No mention
    Health New England2.23%Unknown
    Tufts Associated HMO9.03%Unknown
    Tufts Health Public Plans12.27%0.00%
    UnitedHealthcare Insurance Company15.10%Unknown
    BMC HealthNetUnknownUnknown
    AllWays Health PartnersUnknownUnknown
Michigan*
    Blue Care Network of Michigan2.50%No mention
    Blue Cross Blue Shield of Michigan1.70%No mention
    Oscar Insurance Company6.00%4.00%
    McLaren Health Plan Community-2.00%0.00%
    Meridian Health Plan of Michigan-5.60%2.00%
    Molina Healthcare of Michigan0.40%Unknown
    Physicians Health Plan3.10%3.00%
    Priority Health Insurance-0.13%0.00%
    Total Health Care USA-0.39%0.00%
Minnesota
    Blue Plus HMO4.21%Unknown
    Group Health Plan Inc0.67%Unknown
    Medica Insurance Company2.42%Unknown
    Preferred One Insurance Company1.05%Unknown
    Quartz Health PlanNew entrantUnknown
    UCare MN1.60%0.00%
Mississippi*
    Ambetter of Magnolia Inc.11.19%Unknown
    Molina Healthcare of Mississippi, Inc-2.67%Unknown
Missouri*
    Blue Cross and Blue Shield Kansas CityNew entrantNo mention
    Celtic Insurance Company9.10%Unknown
    Cigna Health & Life Insurance Company1.40%Unknown
    Cox Health Systems Insurance Company13.60%No mention
    Healthy Alliance Life Insurance Company-1.44%Unknown
    Medica Insurance Company-7.50%Unknown
    Oscar Insurance Company6.40%Unknown
    SSM Health Insurance Company-0.49%Unknown
Montana
    HCSC (Blue Cross Blue Shield of Montana)0.00%No mention
    Montana Health Co-Op0.68%No mention
    Pacific Source Health Plans5.00%No mention
Nebraska*
    Medica Insurance Company5.36%Unknown
    Bright HealthUnknownUnknown
Nevada
    Friday Health Plans of NevadaNew entrantUnknown
    Health Plan of Nevada Incorporated5.00%Unknown
    HMO Colorado INC D/BA HMO Nevada3.90%Unknown
    Hometown Health Plan-5.00%Unknown
    Hometown Health Providers Insurance-1.60%Unknown
    Rocky Mountain Hospital and Medical Service11.00%Unknown
    SelectHealthNew entrantUnknown
    Sierra Health and Life Insurance Company9.80%Unknown
    SilverSummit Health Plan2.30%Unknown
New Hampshire*
    Celtic Insurance Company-4.50%0.00%
    Harvard Pilgrim Health Care-13.54%0.00%
    Matthew Thornton Health Plan (Anthem BCBS)-15.12%Unknown
New Jersey*
    AmeriHealth HMO11.22%1.00%
    AmeriHealth Insurance Company of New Jersey3.82%1.00%
    Horizon Healthcare Services-1.43%Unknown
    Oscar Garden State Insurance10.59%Unknown
New Mexico
    Molina Healthcare of New Mexico-0.40%Unknown
    Blue Cross Blue Shield of New Mexico (HCSC)-7.61%Unknown
    True Health-1.40%No mention
    Friday Health PlansNew EntrantUnknown
    Western Sky AmbetterNew EntrantUnknown
New York
    Capital District Physicians Health Plan4.30%0.00%
    Health Insurance Plan of Greater New York (Emblem)3.80%2.00%
    Excellus-0.20%0.50%
    Fidelis (NY Quality Healthcare Corp)1.60%8.40%
    Healthfirst PHSP, Inc.-2.50%0.00%
    Healthnow New York-2.80%2.00%
    HealthPlus HP1.00%5.15%
    IHBC-5.30%0.00%
    MetroPlus5.00%2.10%
    MVP Health Plan3.80%1.60%
    Oscar4.90%7.40%
    UnitedHealthcare of New York4.80%1.00%
North Carolina*
    Ambetter of North Carolina3.90%0.00%
    BCBS of NC4.10%Unknown
    Bright Health Company of North Carolina1.98%Unknown
    CIGNA HealthCare of North Carolina-10.50%No mention
    Oscar Health Plan of NCNew entrantUnknown
    UnitedHealthCare of Wisconsin, Inc.New entrantUnknown
North Dakota*
    Blue Cross Blue Shield of North Dakota4.42%No mention
    Medica Health Plans13.16%Unknown
    Sanford Health Plan20.33%Unknown
Ohio*
    AultCare Insurance Company-4.99%2.00%
    Buckeye Community Health Plan1.35%0.00%
    CareSource9.30%0.00%
    Community Insurance Company-3.22%Unknown
    Medical Health Insuring Corp. of Ohio2.30%0.00%
    Molina Healthcare of Ohio-0.80%0.00%
    Oscar Buckeye State Insurance Corporation-0.90%0.30%
    Oscar Insurance Corporation of Ohio6.70%-0.10%
    Paramount Insurance Company8.94%0.00%
    SummaCare2.50%0.00%
Oklahoma*
    Blue Cross Blue Shield of Oklahoma-0.05%Unknown
    Bright Health Insurance Company1.84%Unknown
    CommunityCare HMO Inc.-24.40%Unknown
    Medica Insurance Company-5.27%Unknown
    Oscar Insurance CompanyNew entrantUnknown
    UnitedHealthcareNew entrantUnknown
Oregon
    Bridgespan Health Company11.10%0.00%
    Kaiser Foundation Health Plan of the Northwest-3.51%0.00%
    Moda4.70%0.90%
    PacificSource Health Plans4.20%0.00%
    Providence Health Plan1.40%1.00%
    Regence Blue Cross Blue Shield2.50%0.00%
Pennsylvania
    Capital Advantage Assurance Company-14.43%0.00%
    Highmark Inc.-0.67%2.50%
    Highmark Benefits Group-3.96%2.50%
    Highmark Coverage Advantage3.12%2.50%
    Geisinger Health Plan-11.28%0.00%
    Geisinger Quality Options-13.57%0.00%
    Keystone Health Plan East-3.91%1.00%
    QCC Insurance Company-3.88%1.00%
    UPMC Health Options1.28%0.00%
    PA Health and Wellness-6.60%1.40%
    Oscar Health Plan of PA6.68%2.10%
Rhode Island*
    Blue Cross Blue Shield of Rhode Island4.96%Unknown
    Neighborhood Health Plan of Rhode Island5.60%2.50%
South Carolina
    Absolute Total Care, Inc8.50%0.00%
    Blue Cross and Blue Shield of South Carolina-1.85%Unknown
    Bright Health Company of South Carolina-0.05%Unknown
    Molina Healthcare of South Carolina-3.60%Unknown
South Dakota*
    Avera Health Plans, Inc.4.29%Unknown
    Sanford Health Plan0.24%1.02%
Tennessee
    Celtic Insurance Company-2.50%2.00%
    Cigna Health and Life Insurance Company-6.01%1.00%
    Blue Cross Blue Shield of Tennessee9.82%1.80%
    Bright Health Insurance Company of Tennessee3.01%-2.00%
    Oscar Healthcare9.90%-0.50%
    United healthcare Insurance CompanyNew entrant0.00%
Texas*
    Blue Cross Blue Shield of Texas2.97%Unknown
    Celtic Insurance Company11.69%0.00%
    CHRISTUS Health Plan3.16%Unknown
    Community Health Choice, Inc.8.65%Unknown
    Molina Healthcare of Texas, Inc.5.30%Unknown
    Oscar Insurance Company9.91%Unknown
    Sendero Health Plans, Inc.8.81%0.00%
    SHA FirstCare Health Plans2.81%-3.40%
Utah
    Cigna Health and Life Insurance Company2.20%1.00%
    Molina Healthcare of Utah-1.63%0.00%
    Regence BlueCross BlueShield of Utah-7.31%0.00%
    SelectHealth-1.60%No mention
    University of Utah Health Insurance Plans3.00%Unknown
Vermont
    Blue Cross Blue Shield of Vermont4.20%0.00%
    MVP Health Care2.70%1.30%
Virginia*
    CareFirst BlueChoice,-9.70%0.00%
    Cigna Health and Life Insurance Company-11.70%1.00%
    Group Hospitalization and Medical Services5.20%0.00%
    HealthKeepers-7.70%Unknown
    Kaiser Foundation Health Plan of the Mid-Atlantic States-13.00%0.00%
    Optima Health Insurance Company-2.00%Unknown
    Optima Health Plan – HMO7.74%0.90%
    Optimum Choice, Inc.New entrantUnknown
    Oscar Insurance Company2.20%0.20%
    Piedmont Community Healthcare HMO, Inc.-3.40%Unknown
Washington
    Bridgespan Health Comapny-0.17%Unknown
    Community Health Network of WashingtonNew entrantNo mention
    Coordinated Care Corporation0.93%Unknown
    Kaiser Foundation Health Plan of the Northwest-1.87%No mention
    Kaiser Foundation Health Plan of Washington-4.86%Unknown
    Lifewise Health Plan of Washington-2.06%Unknown
    Molina Healthcare of Washington Inc.-3.19%3.20%
    Pacific Source Health Plans7.63%Unknown
    Premera Blue Cross-8.67%Unknown
    Providence Health Plan3.18%No mention
    Regence Blue Cross Blue Shield of Oregon-4.08%Unknown
    Regence BlueShield-5.35%Unknown
    UnitedHealthcare of OregonNew entrant2.50%
West Virginia*
    CareSource West Virginia Co.6.26%Unknown
    Highmark Blue Cross Blue Shield West Virginia4.34%Unknown
    The Health Plan of West Virginia, Inc.3.67%No mention
Wisconsin*
    Aspirus Arise Health Plan of Wisconsin, Inc-12.89%-2.20%
    Children’s Community Health Plan-7.47%Unknown
    Common Ground Healthcare Cooperative-6.25%Unknown
    Dean Health Plan-2.27%Unknown
    Group Health Cooperative of South Central Wisconsin-6.81%Unknown
    HealthPartners Insurance Company-3.40%Unknown
    Medica Community Health Plan5.87%Unknown
    MercyCare HMO, Inc.-1.39%Unknown
    Molina Healthcare of Wisconsin, Inc.-3.50%Unknown
    Network Health Plan3.34%Unknown
Wyoming
    Blue Cross Blue Shield of Wyoming-10.2%Unknown
*Indicates that the rates shown for the state have not been finalized.**Connecticut Insurance Department instructed insurers to include a COVID-impact of 0%NOTE: ‘Unknown’ includes plans where the rate change or impact of COVID-19 on rates was redacted or otherwise unavailable for some reason.SOURCE: KFF analysis of insurer rate filings to state regulators.

This Week in Coronavirus: October 9 to October 15

Published: Oct 16, 2020

Here’s our recap of the past week in the coronavirus pandemic from our tracking, policy analysis, polling, and journalism.

This week a joint project between KFF and ESPN’s The Undefeated explores the public’s views and experiences on the topics of health care, racial discrimination, and the coronavirus pandemic, with a special focus on Black adults. Half of Black adults say they would “definitely” or “probably” get a coronavirus vaccine available for free and deemed safe by scientists, compared to 61% of Hispanic adults and 65% of White adults. KFF President Drew Altman discusses how systemic racism had led to striking levels of reluctance to get a COVID-19 vaccine among Black Americans in an Axios column.

The national survey also explored the disproportionate impact of the pandemic on people of color. Half of Black adults and 57% of Hispanic adults say someone in their household lost a job, was furloughed, or had their hours or income reduced due to the pandemic, compared to 42% of White adults. Two-thirds of Black adults think the federal government would be taking stronger action to fight the pandemic if White people were getting sick and dying from the coronavirus at higher rates than people of color.

 

Here are the latest coronavirus stats from KFF’s tracking resources:

Global Cases and Deaths: Total cases worldwide reached 36.3 million this week – with an increase of approximately 2.4 million new confirmed cases in the past seven days. There were nearly 39,000 new confirmed deaths worldwide and the total confirmed deaths is over 1 million.

U.S. Cases and Deaths: Total confirmed cases in the U.S. surpassed 7.9 million this week. There was an approximate increase of 373,800 confirmed cases between October 9 and October 15. Approximately 4,900 confirmed deaths in the past week brought the total in the United States to approximately 217,700.

Race/Ethnicity Data: Hispanic individuals made up a higher share of cases compared to their share of the total population in 44 of 46 states reporting cases and 13 of 47 states reporting deaths. In 7 states (NH, NC, NE, OR, WA, VA, and PA), Hispanic peoples’ share of cases was more than 3 times their share of the population. COVID-19 continues to have a sharp, disproportionate impact on American Indian/Alaska Native as well as Asian people in some states.  Black individuals made up a higher share of cases/deaths compared to their share of the population in 40 of 50 states reporting cases and 34 of 48 states reporting deaths. In 6 states (MI, MO, WI, KS, and ME) the share of COVID-19 related deaths among Black people was at least two times higher than their share of the total population.

State Social Distancing Actions (includes Washington D.C.) that went into effect this week:

Extensions: AR, CO, GA, HI, IN, MN, SC, VT, WY

New Restrictions: ND

Rollbacks: CA, ME, ND, TX, WI, WV

Enhanced Face Mask Order: ME

 

The latest KFF COVID-19 resources:

  • KFF/The Undefeated Survey on Race and Health (Survey, News Release)
  • Black Americans are more skeptical of a coronavirus vaccine (Axios Column)
  • Health Insurer Financial Performance Amid the Coronavirus Pandemic (Issue Brief)
  • Half of Older Adults in Worse Health Have Reported Anxiety or Depression During the Coronavirus Pandemic (Chart of the Week)
  • Upcoming Webinar: How Might the Pandemic Affect Health Premiums, Utilization, and Outcomes in 2021 and Beyond? (Webinar)
  • COVID-19 Coronavirus Tracker – Updated as of October 15 (Interactive)
  • State Data and Policy Actions to Address Coronavirus (Interactive)
  • World Bank Approves $12B In Financing To Help Developing Countries Procure, Distribute Coronavirus Vaccines, Tests, Treatments; Mexico Signs With 3 Companies To Purchase Potential Vaccines (KFF Daily Global Health Policy Report)Updated: Analysis of Recent National Trends in Medicaid and CHIP Enrollment (Issue Brief)
  • Pandemic Disproportionately Impacting Poor, Most Vulnerable Populations, U.N. SG Warns Ahead Of International Day For The Eradication Of Poverty (KFF Daily Global Health Policy Report)

 

The latest KHN COVID-19 stories:

  • Sleepless Nights, Hair Loss and Cracked Teeth: Pandemic Stress Takes Its Toll (KHN, NPR)
  • Musicians Improvise Masks for Wind Instruments to Keep the Band Together (KHN, Gatehouse Media)
  • Most Home Health Aides ‘Can’t Afford Not to Work’ — Even When Lacking PPE (KHN, The Guardian)
  • No, the WHO Didn’t Change Its Lockdown Stance or ‘Admit’ Trump Was Right (KHN, PolitiFact)
  • Making Money Off Masks, COVID-Spawned Chain Store Aims to Become Obsolete (KHN, NY Times)
  • KHN Wins Edward R. Murrow Award (RTDNA)
  • Black Doctors Work to Make Coronavirus Testing More Equitable (KHN, NPR/WHYY)
  • COVID Crackdowns at Work Have Saved Black and Latino Lives, LA Officials Say (CHL, LAist)
  • With Senate Control at Stake, Trump and COVID Haunt Ernst’s Fight to Keep Her Seat (KHN)
  • COVID Takes Challenge of Tracking Infectious College Students to New Level (KHN, St. Louis Post-Dispatch)
  • COVID Stalks Montana Town Already Saddled With Asbestos Disease (KHN, NPR)
  • Pence Said Biden Copied Trump’s Pandemic Response Plan. Pants on Fire! (KHN, PolitiFact)
  • Easier-to-Use Coronavirus Saliva Tests Start to Catch On (KHN, Los Angeles Times)

Medicaid Covers People with Pre-Existing Conditions, Too

Authors: Rachel Garfield and Robin Rudowitz
Published: Oct 16, 2020

In recent weeks, the possible overturning of the Affordable Care Act (ACA) in court and the upcoming election have focused attention on the issue of protections for people with pre-existing conditions. Estimates of how many people have pre-existing conditions range from 54 million people with a declinable pre-existing condition—that is, a health condition that would have made them uninsurable in the pre-ACA individual insurance market—to over 100 million people with health conditions that could trigger other adverse actions such as higher premiums or coverage limitations. While the focus has been on the ACA’s private insurance protections, Medicaid also plays a significant role in covering people with pre-existing conditions.

Medicaid has always provided coverage for people with pre-existing conditions, even before the passage of the ACA. Prior to the ACA, individuals could be denied coverage in the private insurance market if they had a pre-existing condition. However, eligibility for Medicaid prior to the ACA was based on income and other categorical eligibility criteria (e.g., being parent or person with disability), not health status. If a person met these eligibility criteria, states could not deny Medicaid to that person even if he or she had a pre-existing condition. In addition, Medicaid coverage was explicitly extended over the years to several groups that do have pre-existing conditions, such as pregnancy or certain functional disabilities, for whom private insurers routinely used to deny individual insurance before the ACA. These protections were in place even before the ACA prohibited private health insurance discrimination based on health status and are part of the reason that Medicaid has historically covered many people with serious and persistent illnesses or disabilities (like HIV or serious mental illness) for whom private coverage was not available or if available, not adequate or too costly.

The expansion of Medicaid under the ACA extended Medicaid coverage to millions of adults who were previously ineligible for coverage without regard to pre-existing conditions. As of June 2019, 15 million adults were covered through the ACA eligibility pathway. If the ACA were overturned and federal matching funds were eliminated, it is likely that states would not retain eligibility for the vast majority of these people. While the majority of adult Medicaid enrollees work full or part-time, most are unlikely to have an affordable offer through their job and would face purchasing health insurance in an individual market where pre-ACA underwriting rules applied.

More than four in ten (43%) nonelderly adults with Medicaid had a declinable pre-existing condition in 2018 (Figure 1). Excluding the population that receives Supplemental Security Income and thus likely qualifies for Medicaid through a disability-related pathway, there are still nearly four in ten (39%) nonelderly adults with declinable pre-existing condition. Many of these adults likely gained Medicaid eligibility under the ACA expansion. If the ACA were repealed, both the Medicaid expansion and pre-existing condition protections would be overturned, leaving many of these adults likely uninsured.

Figure 1: Share of Nonelderly Adult Medicaid Enrollees with Declinable Pre-Existing Condition, 2018

More broadly than Medicaid, adults with low incomes are more likely than those with higher incomes to have a pre-existing condition. More than one in three nonelderly adults with incomes below 138% of the poverty level – the threshold for expanded Medicaid eligibility under the ACA – have a pre-existing condition that would likely have led to a coverage denial before the ACA (Figure 2). Without the Medicaid expansion, availability of subsidies in the marketplace and protections for people with pre-existing conditions, most low-income people would not have options for affordable coverage and would likely be uninsured.

Figure 2: Share of Nonelderly Adults with Declinable Pre-Existing Condition by Income, 2018​

Public Opinion on Single-Payer, National Health Plans, and Expanding Access to Medicare Coverage

Published: Oct 16, 2020

For many years, Kaiser Family Foundation has been tracking public opinion on the idea of a national health plan (including language referring to Medicare-for-all since 2017). Historically, our polls have shown support for the federal government doing more to help provide health insurance for more Americans, though support among Republicans has decreased over time (Figure 1). But this never translated into majority support for a national health plan in which all Americans would get their insurance from a single government plan until 2016 (Figure 2).  A hallmark of Senator Sanders’ primary campaign for President in 2016 was a national “Medicare-for-all” plan and since then, a slight majority of Americans say they favor such a plan (Figure 3). Overall, large shares of Democrats and independents favor a national Medicare-for-all plan while most Republicans oppose (Figure 4). Yet, how politicians discuss different proposals does affect public support (Figure 5 and Figure 6). In addition, when asked why they support or oppose a national health plan, the public echoes the dominant messages in the current political climate (Figure 7). A common theme among supporters, regardless of how we ask the question, is the desire for universal coverage (Figure 8).

As Medicare-for-all becomes a staple in national conversations around health care and people become aware of the details of any plan or hear arguments on either side, it is unclear how attitudes towards such a proposal may shift. KFF polling finds public support for Medicare-for-all shifts significantly when people hear arguments about potential tax increases or delays in medical tests and treatment (Figure 9). KFF polling found that when such a plan is described in terms of the trade-offs (higher taxes but lower out-of-pocket costs), the public is almost equally split in their support (Figure 10).  KFF polling also shows many people falsely assume they would be able to keep their current health insurance under a single-payer plan, suggesting another potential area for decreased support especially since most supporters (67 percent) of such a proposal think they would be able to keep their current health insurance coverage (Figure 11).

KFF polling finds more Democrats and Democratic-leaning independents would prefer voting for a candidate who wants to build on the ACA in order to expand coverage and reduce costs rather than replace the ACA with a national Medicare-for-all plan (Figure 12). Additionally, KFF polling has found broader public support for more incremental changes to expand the public health insurance program in this country including proposals that expand the role of public programs like Medicare and Medicaid (Figure 13). And while partisans are divided on a Medicare-for-all national health plan, there is robust support among Democrats, and even support among four in ten Republicans, for a government-run health plan, sometimes called a public option (Figure 14). Notably, the public does not perceive major differences in how a public option or a Medicare-for-all plan would impact taxes and personal health care costs. However, there are some differences in perceptions of how the proposals would impact those with private health insurance coverage (Figure 15). KFF polling in October 2020 finds about half of Americans support both a Medicare-for-all plan and a public option (Figure 16). So while the general idea of a national health plan (whether accomplished through an expansion of Medicare or some other way) may enjoy fairly broad support in the abstract, it remains unclear how this issue will play out in the 2020 election and beyond.

KFF Health Tracking Poll – October 2020: The Future of the ACA and Biden’s Advantage On Health Care

Published: Oct 16, 2020

Aca And Health Care

Key Findings

  • The confirmation hearings for Judge Barrett, President Trump’s appointment to fill the Supreme Court seat previously held by Justice Ginsburg, are underway this week and the future of the ACA’s protections for people with pre-existing conditions have been front-and-center. The latest KFF Health Tracking Poll finds a large majority of the public – including majorities of Democrats (91%), independents (81%), and Republicans (66%), now say they do not want to see the Supreme Court overturn the ACA’s pre-existing condition protections. The share who do not want to see these protections overturned has increased by double digits from one year ago for each group.
  • Six in ten adults say they do not want to see the Supreme Court overturn the entire ACA, up 10 percentage points from one year ago. This includes majorities of both Democrats (89%) and independents (66%), but three-fourths of Republicans still want to see the entire law overturned. Overall views of the Affordable Care Act are slightly more positive this month, with 55% of the public saying they view the law favorably. This ties its highest favorability measured in ten years of KFF polling (tied with February 2020).
  • Vice President Biden has the advantage over President Trump on all health policy issues included in the survey including at least a 20 percentage point advantage on who voters think has the better approach (Biden or Trump) to make decisions about women’s reproductive health choices and services, including abortion, family planning, and contraception (57% v. 34%), determining the future of the ACA (57% v. 37%), and maintaining protections for people with pre-existing health conditions (56% v. 36%). He also holds an advantage on surprise medical bills, the coronavirus outbreak and distribution of a vaccine, and lowering health care costs for individuals.
  • While both presidential candidates say they have plans to ensure pre-existing condition protections, most Democrats and independent say they do not think President Trump has a plan to maintain such protections. Slightly more than half (53%) including majorities of Democrats (90%) and independents (57%) say they “do not think President Trump has a plan to maintain protections for people with pre-existing health conditions.” On the other hand, a large majority of Republicans (85%) say President Trump “has a plan” to maintain these protections afforded by the ACA.

The Affordable Care Act and the Supreme Court

This week marked the beginning of the U.S. Senate’s confirmation hearings for President Trump’s appointment to fill the seat held by the late Justice Ruth Bader Ginsburg. One of the major focuses of the Senate Judiciary Committee’s hearings for Judge Amy Coney Barrett has been her views of the constitutionality of the 2010 Affordable Care Act (ACA). The Court is set to hear oral arguments for California v. Texas, a case backed by the Trump administration challenging the future of the law, on November 10th.

Eight in ten adults (79%) say they do not want to see the Supreme Court overturn the protections for people with pre-existing conditions established by the Affordable Care Act and a majority of U.S. adults (58%) also say they do not want to see the Supreme Court overturn the entire 2010 law. Majorities of Republicans (66%), independents (81%), and nine in ten Democrats (91%) say they do not want to see the Supreme Court overturn the pre-existing condition protections in the ACA. Nine in ten Democrats (89%) and two-thirds of independent (66%) also say they do not want to see the Supreme Court overturn the entire law while three-fourths of Republicans (76%) say they would like to see the entire law overturned.

Figure 1: Majorities Do Not Want Court To Overturn ACA’s Pre-Existing Condition Protections, Republicans Want Entire Law Overturned

The ACA’s protections for people with pre-existing medical conditions has been a dominant issue in the 2020 presidential campaign since the passing of Supreme Court Justice Ginsburg and larger shares of the public now saying they do not want to see these protections overturned (up 17 percentage points from last November). A majority of Republicans now say they do not want to see the pre-existing condition protections overturned (up 19 points from last year), and while majorities of Democrats and independents had previously said they did not want to see these protections overturned, the share among these groups has also increased (16 percentage points and 18 points, respectively).

Figure 2: Larger Shares Across Partisans Now Say They Do Not Want Pre-Existing Condition Protections Overturned

There is also a slight increase in the share who say they do not want to see the ACA overturned, up 10 percentage points from November 2019 and five percentage points from July of this year. A larger share of Democrats and independents now say they do not want to see the law overturned, compared to a year ago (up 13 percentage points and 16 points, respectively), while the share of Republicans who want to see the entire law overturned has remained relatively steady (71% in November 2019 to 76% in the latest poll).

Figure 3: Larger Shares Of Democrats And Independents Now Say They Do Not Want To See The ACA Overturned Compared To A Year Ago

While both presidential candidates say they intend to ensure pre-existing condition protections, most Democrats and independent say they do not think President Trump has a plan to maintain such protections. Slightly more than half (53%) including majorities of Democrats (90%) and independents (57%) say they “do not think President Trump has a plan to maintain protections for people with pre-existing health conditions.” On the other hand, a large majority of Republicans (85%) say President Trump “has a plan” to maintain these protections afforded by the ACA. While President Trump signed an executive order on Sept. 24th saying people with pre-existing conditions should be able to obtain health insurance at an affordable rate, the order does not guarantee coverage if the ACA is overturned.

Figure 4: Views On Whether President Trump Has A Plan To Maintain Pre-Existing Condition Protections Driven By Party Identification

About half of adults say they are worried they or someone in their family will not be able to afford health coverage (54%) or will lose coverage (51%) if the Supreme Court overturns the entire Affordable Care Act. While at least seven in ten Democrats express worry about not being able to afford coverage (76%) or losing coverage (71%) as do at least half of independents (58% and 53%, respectively), a smaller share of Republicans express similar worries with about one-fourth saying they are worried about not being able to afford coverage (23%) or losing coverage (23%) if the entire ACA is overturned.

Table 1: Worries About Losing Coverage, Not Being Able To Afford Coverage By Party Identification
Percent who say they are worried about each of the following if the entire ACA is overturned:TotalDemocratsIndependentsRepublicans
Not being able to afford coverage in the future54%76%58%23%
Losing health insurance coverage in the future51715323

About six in ten adults (59%) say they live in a household with someone with a pre-existing or chronic health condition that would have led to them being denied coverage or having to pay more prior to the passing of the ACA. Click here to see more on the pre-existing health conditions that were previously deemed as “declinable” or “uninsurable.”

Views Of The Affordable Care Act

In light of the recent attention to the Affordable Care Act, 55% of the public now hold a favorable view towards the law (up slightly from 49% last month). This matches the ACA’s highest point in favorability first measured back in February 2020, during the height of the 2020 Democratic primary and before the coronavirus outbreak largely impacted the U.S. While a majority of the public view the law favorably, four in ten (39%) continue to view law unfavorably including eight in ten Republicans (79%), as well as about one-third of independents (35%) and one in ten Democrats (9%).

Figure 5: Clear Majority Of Public View The ACA Favorably

Public Attitudes’ Towards Roe v. Wade Remain Steady

About seven in ten (69%) Americans say they do not want to see the Supreme Court to overturn the 1973 Roe v. Wade ruling that established a woman’s constitutional right to have an abortion. Nine in ten Democrats (91%) do not want to see the law overturned as do three-fourths of independent (76%). More than half of Republicans (57%) say they want to see Roe v. Wade overturned. Partisans’ attitudes towards the landmark case are unchanged from a January 2020 KFF survey examining attitudes towards and knowledge of U.S. reproductive health policy. 

The Role Of Health Care In The 2020 Election

The latest KFF Health Tracking Poll, conducted one month prior to the 2020 presidential election, finds that the economy continues to hold the top issue spot for voters deciding their 2020 presidential vote choice. Three in ten (29%) voters say the economy will be the “most important issue” in deciding their vote for president. This is similar to the share of voters who say the coronavirus outbreak, a major public health issue, will be the most important issue to their vote (18%) as well as health care, more generally, (12%). About one in ten voters say issues including criminal justice and policing (13%), race relations (11%), and the appointment of a Supreme Court justice (11%) are the most important in deciding their vote this fall.

Figure 6: The Economy Is The Top Issue For Voters Heading Into 2020 Presidential Election

Nearly half of Republican voters (45%) choose the economy as their top issue in deciding which candidate to vote for president as do one-third of independent voters. Across the political aisle, health care is dominant for Democratic voters with one-third of Democratic voters (32%) saying the coronavirus outbreak will be the most important issue in deciding their vote and one in five Democratic voters saying the same about health care more generally.

Figure 7: About Half Of Republicans, One-Third Of Independents Say Economy Is Most Important Issue, More Democratic Voters Say Coronavirus

How Specific Health Care Priorities Drive Voters

When given a list of possible health care policy areas that may play a role in deciding their vote for president, most voters say each of these issues is important. Nearly all voters (94%) say protections for people with pre-existing conditions will be important to their vote, including three-fourths (74%) who say it is “very important.” About six in ten voters also say lowering the cost of health care for individuals (63%), determining the future of the Medicare program (62%), dealing with the health aspects of the coronavirus outbreak (60%), determining the future of reproductive health issues including abortion (60%), and lowering prescription drug costs (59%) are “very important” in deciding their vote for president this year. Majorities also say the same about expanding coverage for the uninsured (52%) and determining the future of the ACA (52%).

Figure 8: Majorities Of Voters Say Health Care Issues Are Important In Deciding 2020 Vote Choice

When asked to choose the most important health care issue among this list of possible issues, voters are divided across the issues. Nearly one in five voters (17%) say protections for people with pre-existing conditions is the most important health care issue in making their decision about who to vote for president, followed closely by the future of reproductive health issues including abortion (15%), and lowering the cost of health care (13%) rounding out the top three health care issues to voters.

Figure 9: Voters Are Split Across Various Health Care Priorities On Which Is The Most Important To Their 2020 Vote Choice

The health care issue that matters most to voters is largely driven by their party identification. One-fourth of Republican voters (24%) say determining the future of reproductive health issues including abortion is the health care issue most important to their 2020 vote, while one-fifth of independent voters (21%) say pre-existing condition protections is the most important health care issue to their vote. Democratic voters are divided across many health care priorities including most notably dealing with the health aspects of the coronavirus outbreak (17%), determining the future of the ACA (17%), and protections for people with pre-existing conditions (14%).

Table 2: The Role of Health Care Issues For Partisan Voters In 2020 Election
Percent who say each of the following health care issues is most important to their 2020 presidential vote:Democratic votersIndependent votersRepublican voters
Maintaining protections for people with pre-existing conditions14%21%15%
Lowering the cost of health care for individuals101314
Dealing with the health aspects of the coronavirus outbreak17115
Determining the future of reproductive health issues including abortion101324
Determining the future of the Affordable Care Act17106
Expanding health coverage for the uninsured12122
Determining the future of Medicare1189
Lowering prescription drug costs4613

Biden Has Clear Advantage On Key Health Care Issues

Former Vice President Biden has the edge on all health care issues over President Trump with at least half of voters saying they think Biden has the better approach to handling a series of health care issues asked about in the poll. Biden has at least a 20 percentage point advantage among voters on who they think has the better approach (Biden or Trump) to making decisions about women’s reproductive health choices and services, including abortion, family planning, and contraception (57% v. 34%), determining the future of the ACA (57% v. 37%), and maintaining protections for people with pre-existing health conditions (56% v. 36%). He also holds a double-digit advantage on several other health care policy issues including protecting people from surprise medical bills (52% v. 37%), dealing with the coronavirus outbreak (55% v. 39%), and lowering the cost of health care for individuals (54% v. 40%). Biden also does better – to a slightly lesser degree – on his approach to overseeing the development and distribution of a coronavirus vaccine (51% v. 42%) and lowering prescription drug costs (50% v. 43%).

Figure 10: Among Voters, Biden Has Advantage Over Trump Across Major Health Care Policy Issues

President Trump recently announced that 33 million Medicare beneficiaries will soon receive a discount card to help pay for the cost of prescription drugs. Voters’ assessment of which candidate has the better approach to lower prescription drug costs has shifted slightly since September, with Biden now having the advantage over President Trump on which candidate has the better approach to lowering prescription drug costs (42% v. 46% in September compared to 50% v. 43% in October).

MAjority Of Senior Voters Trust Biden On Health Care Issues

At least half voters 65 and older, say they think Biden has the better approach across all health care policy areas including key advantages over President Trump on determining the future of the ACA (57% v. 38%), surprise medical bills (53% v. 40%), maintaining pre-existing condition protections (55% v. 42%), and reproductive health policy (53% v. 41%). Biden has a smaller advantage on handling of both the coronavirus outbreak (54% v. 43%) and the distribution of a vaccine (53% v. 45%). Determining the future of Medicare is the top health care issue for senior voters with about one-fifth (22%) of voters 65 and older saying this is the most important health care issue to their vote. About one in eight senior voters say reproductive health issues (13%) and maintaining protections for people with pre-existing conditions (14%) are their top health care issues, followed closely by dealing with the many health aspects of the coronavirus (10%).

Coronavirus In The U.s.

These additional findings were released October 20.

Key Findings

  • With more than 200,000 Americans dead from the coronavirus and with cases rising in many parts of the country, about two-thirds of adults (66%) say they are worried that they or someone in their family will get sick from coronavirus, an increase of 13 percentage points since early April. The share of Democrats who say they are worried about themselves or someone in their family getting sick from coronavirus has increased by 31 percentage points since April, while the share of Republicans expressing this worry has remained about the same.
  • Following President Trump’s coronavirus diagnosis, about three in ten adults say the President’s recent diagnosis makes them more likely to practice social distancing or to wear face masks. Most Republican voters say the President’s diagnosis does not impact their likelihood to vote for him.
  • Majorities of the public think President Trump is intervening with the FDA’s and CDC’s coronavirus related work. While most say they have at least a fair amount of trust in the FDA to ensure that an approved coronavirus vaccine is safe and effective (71%) and trust in the CDC to issue coronavirus related guidelines based on scientific evidence (72%), only about three in ten say they have a great deal of trust in these agencies.

Coronavirus Outbreak in the U.S.

The latest KFF Health Tracking Poll, conducted after President Trump contracted COVID-19 and was treated and then released from Walter Reed Army Hospital, finds in the wake of these recent events a sizeable share of the public feel negatively about the status of the coronavirus outbreak in the U.S., and are increasingly worried about themselves or someone in their family getting sick.

About four in ten adults (42%) think the worst of the coronavirus outbreak is yet to come, while a third of adults say the worst is behind us (33%) and one in five say they don’t think coronavirus is a major problem in the U.S. In September, equal shares said the worst of the outbreak is yet to come as said that the worst was behind us (38% each).

Among partisans, a majority of Democrats (64%) say the worst is yet to come, while most Republicans (58%) say the worst is behind us and 23% say the virus is not a major problem. Independents are more likely to say the worst of coronavirus is yet to come (46%) than to say that the worst is behind us (30%). Notably, about half of women (49%) say the worst of the outbreak is yet to come compared to about a third of men (36%) who say the same.

Figure 1: About Four In Ten Say The Worst Of The Coronavirus Outbreak Is Yet To Come

With more than seven million coronavirus cases in the U.S. and more than 200,000 death, two-thirds of adults say they are “very worried” or “somewhat worried” that they or someone in their family will get sick from coronavirus. The share of adults who say they are worried they or a family member will get sick has increased by 13 percentage points, from 53% in April. Mirroring the difference in expectations of what is yet to come in the coronavirus outbreak, women are more likely than men to say they are worried that they or a family member will get sick from coronavirus (73% vs. 58%).

Among partisans, twice as many Democrats as Republicans say they are worried that they or a family member will get sick from coronavirus (87% vs. 42%). Indeed, 53% of Democrats say they are “very worried”. Among independents, two-thirds (66%) say they are at least somewhat worried that they or a family member will get sick from coronavirus.

Figure 2: Majorities Of Democrats And Independents Are Worried That They Or Someone In Their Family Will Get Sick From Coronavirus

Since we last asked this question in the late April KFF Health Tracking Poll, the share who say they are worried about themselves or someone in their family getting sick from coronavirus has increased by 31 percentage points among Democrats and 12 percentage points among independents, while remaining about the same among Republicans.

Figure 3: Larger Shares Of Democrats And Independents Are Now Worried They Or Someone In Their Family Will Get Sick From Coronavirus

On Friday, October 1st, President Trump announced that he and the First Lady had tested positive for COVID-19. The President was moved to Walter Reed hospital for treatment and returned to the White House on Monday. Since then, more than a dozen people who had been around the President, including several White House staffers and Republican lawmakers, have recently tested positive for COVID-19.

In the wake of these recent events, about three in ten adults say the President’s coronavirus diagnosis makes them “more likely” to take practice social distancing (31%) and to wear facemasks (31%) while few say it makes them “less likely” to do so.

Figure 4: About Three In Ten Adults Say President Trump’s Diagnosis Makes Them More Likely To Practice Social Distancing, Wear Face Masks

Views of social distancing and wearing face masks continue to be partisan, with about twice as many Democrats as Republicans saying President Trump’s diagnosis makes the more likely to practice social distancing (44% vs. 20%) and wear face masks (40% vs. 20%).

Figure 5: Democrats Are About Twice As Likely As Republicans To Say The President’s Diagnosis Makes Them More Likely To Take Precautions

Few Republican voters say President Trump’s recent coronavirus diagnosis changed the likelihood of them voting for President Trump next month. About nine in ten (88%) Republican voters say it did not make a difference in their vote choice.1 

Views Of the FDA and the CDC

Recent reports that President Trump has tried to block recent vaccine guidelines from the U.S. Food and Drug Administration (FDA) have highlighted the role that political considerations may take in the approval of a coronavirus vaccine. Overall, the public trusts the FDA with about seven in ten adults saying they have “a great deal” or “a fair amount” of trust that the FDA will make sure that any coronavirus vaccine is safe and effective before it is approved. This includes majorities of Democrats (77%), Republicans (72%) and independents (64%).

Figure 6: Majorities Of Partisans Have At Least A Fair Amount Of Trust The FDA Will Make Sure A Coronavirus Vaccine Is Safe And Effective

Despite this, many express worry that the FDA will rush to approve a vaccine due to political pressure from President Trump and the White House. About six in ten adults (62%) – including more than eight in ten Democrats and about three in ten Republicans – say they are worried that the FDA will rush to approve a coronavirus vaccine without making sure it is safe and effective, similar to the share who expressed this worry in our September Tracking Poll.

Figure 7: Despite Expressing Trust In The FDA, Majorities Of Democrats And Independents Worry It May Rush To Approve A Vaccine

Along with expressing worry that the FDA may rush to approve a vaccine due to political pressure, a majority of the public (55%) think that President Trump is intervening with the FDA’s job of reviewing and approving a coronavirus vaccine and nearly half (46%) of all adults think his intervention is a bad thing. Few (9%) think President Trump is intervening with the FDA’s reviewing of a coronavirus vaccine and that this is a good thing.

Figure 8: A Majority Of The Public Thinks President Trump Is Intervening With The FDA’s Job Of Reviewing And Approving A Vaccine

About three in four Democrats (77%) think President Trump is intervening with the FDA’s job of reviewing and approving a coronavirus vaccine and that his intervention is a bad thing. On the other hand, about seven in ten Republicans (69%) do not think the President is intervening. Independents are more divided with about half (49%) saying the President is intervening and this is bad, while four in ten (39%) say they do not think the President is intervening with the FDA.

Table 1: View of President Trump’s intervention with the FDA by party
Do you think President Trump is intervening with the FDA’s job of reviewing and approving a coronavirus vaccine, or not?DemocratsIndependentsRepublicans
Yes, and it is a good thing4%8%18%
Yes, and it is a bad thing77499
No143969

Similar to views of the FDA, the majority of the public trusts the CDC but about half believe that President Trump is intervening with this federal agency. About seven in ten adults (72%) say they have “a great deal” or “a fair amount” of trust that the CDC will issue guidelines and recommendations related to the coronavirus based on scientific evidence. Compared to trust in the FDA, trust in the CDC is somewhat more partisan though majorities of Democrats (84%), independents (72%), and Republicans (60%) say they have at least “a fair amount” of trust that the CDC will issue coronavirus recommendations based on scientific evidence.

Figure 9: Majorities Across Partisans Have At Least A Fair Amount Of Trust In The CDC To Provide Guidelines Based On Scientific Evidence

There have been recent reports that politically appointed officials in the Department of Health and Human Services have interfered with coronavirus-related CDC reports. Amidst these revelations, a majority of the public (54%) thinks President Trump is intervening with the CDC’s job of issuing guidelines and recommendations related to coronavirus. Moreover, nearly half of the public (47%) believe intervention by President Trump is a bad thing, while 8% say the President is intervening with the CDC’s job and this is a good thing.

Figure 10: A Majority Of The Public Thinks President Trump Is Intervening With The CDC’s Job Of Issuing Guidelines Related To Coronavirus

Once again, there is a stark partisan divide with about three in four Democrats (77%) saying they think President Trump is intervening with the CDC and that his intervention is a bad thing as do half (51%) of independents. On the other hand, about three in four Republicans (72%) do not think the president is intervening.

Table 2: View of President Trump’s intervention with the CDC by party
Do you think President Trump is intervening with the CDC’s job of issuing guidelines and recommendations related to coronavirus?DemocratsIndependentsRepublicans
Yes, and it is a good thing4%7%14%
Yes, and it is a bad thing775110
No143772

Methodology

This KFF Health Tracking Poll was designed and analyzed by public opinion researchers at the Kaiser Family Foundation (KFF). The survey was conducted October 7- 12, 2020, among a nationally representative random digit dial telephone sample of 1,207 adults ages 18 and older, living in the United States, including Alaska and Hawaii (note: persons without a telephone could not be included in the random selection process). The sample included 287 respondents reached by calling back respondents that had previously completed an interview on the KFF Tracking poll at least nine months ago. Computer-assisted telephone interviews conducted by landline (290) and cell phone (917, including 658 who had no landline telephone) were carried out in English and Spanish by SSRS of Glen Mills, PA. To efficiently obtain a sample of lower-income and non-White respondents, the sample also included an oversample of prepaid (pay-as-you-go) telephone numbers (25% of the cell phone sample consisted of prepaid numbers) as well as a subsample of respondents who had previously completed Spanish language interviews on the SSRS Omnibus poll (n=10). Both the random digit dial landline and cell phone samples were provided by Marketing Systems Group (MSG). For the landline sample, respondents were selected by asking for the youngest adult male or female currently at home based on a random rotation. If no one of that gender was available, interviewers asked to speak with the youngest adult of the opposite gender. For the cell phone sample, interviews were conducted with the adult who answered the phone. KFF paid for all costs associated with the survey.

The combined landline and cell phone sample was weighted to balance the sample demographics to match estimates for the national population using data from the Census Bureau’s March 2019 Supplement of the U.S. Census Population Survey (CPS) on sex, age, education, race, Hispanic origin, and region along with data from the 2010 Census on population density. The sample was also weighted to match current patterns of telephone use using data from the January- June 2019 National Health Interview Survey. The weight takes into account the fact that respondents with both a landline and cell phone have a higher probability of selection in the combined sample and also adjusts for the household size for the landline sample, and design modifications, namely, the oversampling of prepaid cell phones and likelihood of non-response for the re-contacted sample. All statistical tests of significance account for the effect of weighting.

The margin of sampling error including the design effect for the full sample is plus or minus 3 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. Note that sampling error is only one of many potential sources of 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.
Total1,207± 3 percentage points
Total voters1,048± 4 percentage points
Party Identification
Democrats387± 6 percentage points
Republicans339± 6 percentage points
Independents380± 6 percentage points
Party Identification among Voters
Democratic voters354± 6 percentage points
Republican voters315± 6 percentage points
Independent voters312± 7 percentage points

Cross-tabs

Endnotes

  1. This question was asked of all registered voters who had not yet voted and who did not say they were definitely going to vote for Joe Biden. ↩︎
News Release

Tracking Poll: A Large and Growing Majority, Including Republicans, Does Not Want the Supreme Court to Overturn the ACA’s Protections for People with Pre-Existing Conditions

Voters Favor Democratic Nominee Joe Biden Over President Trump on Wide Range of Health Issues

Published: Oct 15, 2020

As the Senate considers Judge Amy Coney Barrett’s nomination to the Supreme Court, the October KFF Health Tracking Poll finds a large majority (79%) of the public do not want the Court to overturn the Affordable Care Act’s protections for people with pre-existing medical conditions, up 17 percentage points since last year when 62% held this view.

The Supreme Court is scheduled to hear arguments a week after Election Day in a challenge to the 2010 health law led by conservative states and backed by the Trump administration, making the law’s fate a flashpoint in Judge Barrett’s confirmation hearings and the 2020 election.

Majorities of Democrats (91%), independents (81%), and Republicans (66%), now say they do not want to see the Supreme Court overturn the ACA’s pre-existing condition protections. The shares have increased by double digits since last year for each group.

A narrower majority (58%) does not want the Court to overturn the entire ACA, up 10 percentage points from last year. Partisans are divided on this question, with most Republicans (76%) saying they want the Court to overturn the entire law, while most Democrats (89%) and independents (66%) do not.

One potential reason that so many Americans want to preserve those ACA provisions is that most people (59%) say they live in a family with someone who has a pre-existing or chronic health condition. About half say they are worried someone in their family will not be able to afford health coverage (54%) or would lose coverage (51%) if the ACA were overturned.

“Many Americans worry about what could happen to them if insurance companies were able to discriminate against family members with pre-existing conditions, and that’s why the issue has become a flashpoint in the election,” KFF President and CEO Drew Altman said. “Now COVID could become a pre-existing condition, potentially adding to their anxiety.”

President Trump has said that he will always protect people with pre-existing conditions and signed an executive order last month emphasizing that point, but the order does not provide a clear pathway for maintaining protections for people with pre-existing conditions if the ACA were overturned.

When asked whether President Trump has a plan to protect people with pre-existing conditions, just over half (53%) of the public says he does not – though there are big partisan differences. A large majority of Republicans (83%) say President Trump does have a plan, while most Democrats (90%) and independents (57%) say he does not.

The poll finds that 55% of the public now holds a favorable view of the ACA, up slightly from last month (49%) and matching the highest share ever recorded in 10 years of KFF polling; 39% now hold unfavorable views of the law.

On Health Care Issues, Voters Prefer Democratic Nominee Joe Biden’s Approach

The poll also probes voters’ views of the candidates on health care issues in play in the campaign, and finds that they prefer former Vice President Joe Biden’s approach to President Trump’s across a range of issues, including women’s reproductive health and abortion; the ACA; protecting people with pre-existing conditions; dealing with the coronavirus pandemic; reducing what people pay for health care; and protecting people from surprise medical bills.

Biden also holds a narrower edge on two other health issues that President Trump has championed: developing and distributing a COVID-19 vaccine (Biden 51%, Trump 42%) and lowering the cost of prescription drugs (Biden 50%, Trump 43%). This reflects a shift in voters’ views on drug costs since September, when voters were more divided on who has the better approach (Trump 46%, Biden 42%).

Other findings include:

  • The economy ranks as voters’ top issue, with 29% saying it will be the most important issue in deciding their vote for president. That roughly equals the combined share who say the coronavirus outbreak (18%) and health care overall (12%). Other top issues include criminal justice and policing (13%), race relations (11%) and Supreme Court appointments (11%). Few cite immigration (2%) as their top issue.
  • Most Americans (69%) say they do not want to see the Supreme Court overturn the 1973 Roe v. Wade decision that established a woman’s constitutional right to have an abortion. Partisans remain very divided on this issue, with most Republicans (57%) wanting to see Roe overturned and most Democrats (91%) and independents (76%) wanting to see it preserved.

Designed and analyzed by public opinion researchers at KFF, the poll was conducted from Oct. 7-12 among a nationally representative random digit dial telephone sample of 1,207 adults. Interviews were conducted in English and Spanish by landline (290) and cell phone (917). The margin of sampling error is plus or minus 3 percentage points for the full sample and 4 percentage points for voters. For results based on subgroups, the margin of sampling error may be higher.

The 2020 Presidential Election: Implications for Women’s Health

Authors: Michelle Long, Amrutha Ramaswamy, and Alina Salganicoff
Published: Oct 15, 2020

Introduction

While all elections have consequences, the outcome of the 2020 presidential election will shape many health issues of importance to women for years to come. From the ongoing COVID-19 pandemic, to the uncertain future of the Affordable Care Act, to threats to reproductive health care, the outcome of this election will have major consequences for women and the nation as a whole. The track records and the positions of the candidates on these issues offer a stark contrast to voters. This brief reviews the key issues that are likely to have a direct impact on women’s health as well as their access to coverage and care, and summarizes the presidential candidates’ stated positions and records on these issues.

President Donald Trump’s positions reflect his record during his presidency, his 2020 campaign website, and the Republican party platform, which is unchanged from 2016. Joe Biden’s positions reflect the policy agenda articulated on his 2020 campaign website, the Democratic party platform, the Unity Task Force Recommendations, and his record as a U.S. senator and as Vice President during the administration of President Barack Obama.

The Affordable Care Act

The Affordable Care Act (ACA) made many changes that have strengthened access to coverage for millions of women in the U.S. The law did away with longstanding policies that insurance plans used to discriminate against women. Today, all plans must include maternity care – which was the norm in employer plans but not in individually-purchased insurance before the ACA – and no-cost recommended preventive services including mammograms, prenatal and well woman care, and contraceptive services and supplies. Medicare beneficiaries also benefit from no-cost coverage for preventive services recommended for older women such as mammograms and bone density testing. Plans are not permitted to charge women more for coverage than men. The law also established consumer protections that guarantee people with a pre-existing health condition (including pregnancy) are not denied or charged more for individual insurance, and made coverage more accessible and affordable by expanding Medicaid and providing subsidies to many people purchasing coverage on their own in the ACA Marketplace.

The ACA’s future is uncertain, as the law’s constitutionality will once again be considered by the Supreme Court, scheduled for one week after the election. If the Supreme Court ultimately decides that all or most of the ACA must be overturned, as the Trump Administration now argues, the consequences would be complex and far-reaching.

Table 1: Comparing the Candidates on the Affordable Care Act
Donald Trump (R)Joe Biden (D)
  • Supported numerous unsuccessful Republican-led legislative efforts to ‘repeal and replace’ the ACA.
  • Signed legislation that reduced the individual mandate penalty to $0, effectively eliminating the requirement to hold qualified health coverage.
  • Is supporting a lawsuit before the Supreme Court to overturn the entire ACA, with no plan to replace it.
  • Promoted and expanded access to short-term plans which typically lack many of the protections that were included in the ACA reforms, including maternity care, mental health, or prescription drugs.
  • Cut funding for consumer outreach and enrollment assistance programs in the ACA Marketplace while redirecting some of those funds to promote short-term health plans.
  • Supports retaining and expanding upon the ACA.
  • Proposed creating a new federal public health insurance option similar to Medicare, referred to as the “public option,” and would automatically enroll uninsured adults who live in a state that has not expanded Medicaid, with no premium and full Medicaid benefits.
  • Has called for increasing financial assistance available to families through the ACA marketplaces and broadening eligibility for these subsidies.
  • Does not support a Medicare for All health care system and supports the continued role of private insurance in health care.

Reproductive Health

Reproductive health care is a core element of women’s health and has been at the center of many partisan debates, particularly with regard to abortion and contraception.1 

CONTRACEPTIONThe ACA, Medicaid policy, and the federal Title X family planning program shape women’s access to a broad range of contraceptive services. However, access to and funding for contraception has been at the center of heated political disputes.

Contraceptive Coverage. The ACA requires most individual and employer-sponsored health insurance plans to cover certain preventive services, including FDA-approved, prescribed contraception, at no cost to enrollees. Although the public largely supports this requirement, it has been controversial among some religious employers since it took effect in 2012 and has been the focus of three major Supreme Court cases.

Title X. For more than 50 years, the Title X family planning program has supported the delivery of reproductive health services, including contraception and STI testing and treatment, to millions of low-income women, men, and teens at low or no cost. Two-thirds of Title X clients are people of color. Over the past decade, federal budget reductions and freezes have resulted in significant financial cutbacks to the Title X program. In addition, some congressional leaders have questioned the need to continue to fund the program, the types of services that the program can cover, and the types of providers that qualify for reimbursement.

Table 2: Comparing the Candidates on Access to Contraception
Donald Trump (R)Joe Biden (D)
  • Issued regulations that allow nearly any employer with a religious or moral objection to be exempt from the ACA’s requirement to include no-cost contraceptive coverage.
  • Signed legislation nullifying Obama administration rule that prohibited exclusion of abortion providers in the Title X family planning program.
  • Issued regulations that disqualify any provider that offers or refers for abortion services from Title X. Since the rules have been promulgated, 26% of Title X clinics have left the network, including all Planned Parenthood clinics, and the number of people served by the program has dropped from nearly 850,000 to 3.1 million.
  • Redirected Title X family planning funds to crisis pregnancy centers, also known as pregnancy resource centers, which do not provide contraception.
  • Sought to terminate the Teen Pregnancy Prevention Program (TPPP) and redirect funding to abstinence-until-marriage educational programs which have been demonstrated to be ineffective in preventing teen pregnancy and STIs and potentially harmful.
  • Rescinded 2016 “free choice of provider” guidance that had barred state Medicaid programs from excluding abortion providers without evidence of wrongdoing
  • Approved a waiver from Texas’s Medicaid program to block Medicaid payments to Planned Parenthood and other providers affiliated with an abortion provider for non-abortion family planning services.
  • Has pledged to work to ensure people with employer-sponsored insurance have access to no-cost contraceptive coverage regardless of their employer’s beliefs, with Obama-era exemptions for houses of worship and accommodations for religious non-profits.
  • The new ‘public option’ he has envisioned would cover no-cost contraception for enrollees.
  • Would reverse the Trump administration’s Title X rule and restore funds to family planning clinics that also provide or refer for abortion.
  • Would reinstate “free choice of provider” guidance that prohibits states from excluding qualified abortion providers such as Planned Parenthood from their Medicaid programs without evidence of wrongdoing.

Abortion

Access to abortion is a hotly debated women’s health issue in any presidential election, and even more so this election with the nomination of a new Supreme Court justice. In the years since the Supreme Court ruling on Roe v. Wade legalizing abortion in all states, a number of state and federal laws have been enacted to restrict access to abortion services, including waiting periods, gestational limits, and regulating which procedures may be offered and by which types of providers.

Roe v. Wade. Several states have enacted abortion restrictions that effectively outlaw abortion, hoping the new conservative majority at the Supreme Court will reconsider the precedents set in Roe v. Wade, Planned Parenthood v. Casey, and Whole Woman’s Health v. Hellerstedt and ultimately weaken or overturn the rulings, allowing states to ban or regulate abortion without demonstrating that the benefit to women outweighs the burden. It is widely expected that the Supreme Court will review such a case in the coming term or soon after.

Hyde Amendment. Soon after the Roe v. Wade decision, the Hyde Amendment was added to federal appropriations laws to limit federal funding for abortion to only those pregnancies that are the result of rape or incest, or that pose a threat to the life of the pregnant person. The Hyde Amendment is not permanent law, but rather a “rider” to appropriations bills that has been renewed annually by Congress. The Hyde Amendment drastically limits coverage of abortion under Medicaid and other federal programs, disproportionately impacting women of color and those who are low-income and covered by Medicaid.

Table 3: Comparing the Candidates on Abortion
Donald Trump (R)Joe Biden (D)
  • Has expressed strong opposition to abortion and support for overturning Roe v. Wade.
  • Has pledged to nominate “pro-life” judges. Appointed two Supreme Court Justices since taking office, both of whom have anti-abortion records, and who most recently ruled to uphold a Louisiana hospital admitting privileges law that would have made it nearly impossible for abortion providers to keep practicing in the state.
  • Has nominated Judge Amy Coney Barrett to fill the vacancy left by the death of Justice Ruth Bader Ginsburg. Judge Barrett has gone on record criticizing the Roe v. Wade decision and opposes abortion.
  • Has pledged to make the Hyde Amendment, which prohibits federal funding for abortion except in cases of rape, incest, or life endangerment of the pregnant person, permanent law.
  • Has made many false and inflammatory statements about abortion, including falsely equating abortions that occur later in pregnancy with infanticide.
  • Signed executive order requiring that infants born prematurely or that survive an abortion receive medical care. Similar federal laws already exist.
  • Issued regulations (not currently in effect) which add new billing and payment requirements for ACA Marketplace plans that cover abortion, which may reduce the number of plans with coverage for abortion services.
  • Eliminated anti-discrimination regulatory protections in health care for patients who have terminated a pregnancy.
  • Reinstated and expanded the Mexico City Policy which prohibits U.S. global health funding assistance from going to foreign non-governmental organizations that perform or promote abortion as a method of family planning, even with their own funds.
  • Would work to codify Roe v. Wade.
  • Pledged in a 2019 Democratic presidential candidate survey on abortion to nominate federal judges who will uphold Roe v. Wade.
  • Pledged that his Justice Department will stop state laws that restrict access to abortion, including mandatory waiting periods and targeted restrictions on abortion providers (TRAP) laws.
  • Called for repeal of the Hyde Amendment from congressional appropriations bills. Proposes requiring coverage of abortion services in at least some circumstances in his public option health insurance plan.
  • Would reverse Trump administration policies that permit health care providers to discriminate against patients who have terminated a pregnancy and allows providers to refuse to provide abortion care.
  • Would rescind the Mexico City Policy, also referred to as the “global gag rule.”

Maternal Mortality

Approximately 700 women die each year in the U.S. as a result of pregnancy or delivery complications, most of which are preventable. The maternal mortality rate has risen over the past few decades, with pronounced racial and ethnic disparities and gaps in maternity care services in many rural communities.

To improve maternal health, Congress has taken up several bills that include proposals to extend Medicaid postpartum coverage from 60 days to one year, which would help connect low-income women to prenatal and postpartum care; fund clinical training on health equity and implicit bias; enhance data collection; diversify the perinatal workforce; and develop broader maternity care provider networks in rural areas.

Table 4: Comparing the Candidates on Maternal Mortality
Donald Trump (R)Joe Biden (D)
  • Signed the Preventing Maternal Deaths Act of 2018 which provides funding and new federal infrastructure to state, local, and tribal maternal mortality review committees to collect, analyze, and report data related to pregnancy-associated deaths.
  • Implemented the Maternal Opioid Misuse (MOM) model, a program that aims to improve systems of care for low-income pregnant and postpartum women struggling with opioid use disorder.
  • Released a rural health action plan that, among other goals, aims to improve access to pregnancy care in rural communities.
  • No stated positions on campaign website.
  • Supports the ACA’s Medicaid expansion, which helps connect women to care before, during, and after childbirth. Research has found that the maternal mortality ratio is lower in states that have adopted Medicaid expansion compared to non-expansion states.
  • Would automatically enroll uninsured adults who live in a state that has not expanded Medicaid into proposed public health insurance option, without premiums or cost sharing. This includes postpartum women who may be dropped from Medicaid after 60 days postpartum in non-expansion states.
  • Has pledged to address maternal mortality by adopting California’s model, which established a public-private partnership to investigate maternal deaths and has helped reduce the state’s maternal death rate by half.
  • Platform highlights the need to address the wide racial disparities in maternal mortality, particularly among black and Native American women.

Sexual Violence

1 in 3 women and 1 in 4 men in the U.S. report experiencing sexual violence involving physical contact in their lifetimes. In recent years, the issue of sexual and domestic violence has gained more recognition as a preventable health problem that disproportionately affects women’s health outcomes.

Violence Against Women Act. The most notable law that addresses sexual violence is the Violence Against Women Act (VAWA), signed in 1994. VAWA helps establish many violence prevention efforts, such as funding rape crisis centers, shelters for those who have experienced domestic violence, and other support services for survivors. VAWA expired in 2018, although some VAWA programs are still funded at their usual level. The House of Representatives passed the VAWA Reauthorization Act of 2019; however, it has stalled in the Republican-controlled Senate because of objections to a new provision that prohibits perpetrators of domestic violence from purchasing or possessing a firearm.

Title IX. Another source of partisan conflict has been the Department of Education’s changing guidance on Title IX investigations, which, as part of the federal Civil Rights Act of 1964, prohibits sexual assault and sexual harassment in education. In 2011, the Obama administration issued the Dear Colleague letter, which discouraged perpetrators from being able to personally cross-examine their accusers and lowered the evidentiary burden on the victim to match that of other student conduct cases. In 2017, the Trump administration reversed these changes.

Table 5: Comparing the Candidates on Sexual Violence
Donald Trump (R)Joe Biden (D)
  • No stated position on campaign website.
  • Rescinded Title IX Obama administration guidance aimed at protecting survivors of sexual assault on college campuses, permitting colleges to allow perpetrators to cross-examine their accusers and use a stricter standard of evidence for sexual assault cases than for all other student conduct cases (including felony assault).
  • Senator, was the original sponsor of the Violence Against Women Act (VAWA), in effect from 1994-2018. Supports reauthorizing and expanding the law, including the provision that would prohibit perpetrators of domestic violence from purchasing or possessing a firearm.
  • Has several policy proposals to address violence against women, including protecting survivors of sexual assault from housing discrimination and guaranteeing paid safe leave to survivors who need time off work to address needs associated with domestic violence, sexual assault, or stalking.
  • Would work to reinstate the 2011 Title IX protections for survivors of sexual assault on college campuses.
  • As Vice President, championed It’s On Us, a campaign to end sexual violence on college campuses.

While most U.S. workers have access to paid sick leave, few are offered paid family leave. Lower-wage and part-time workers are less likely to have access to these benefits than their counterparts. In the absence of a federal law, many states and localities have implemented their own paid leave programs.

Paid leave has gained new urgency during the coronavirus pandemic as thousands of people have fallen ill with COVID-19 or have needed to take time off of work to care for an ill family member or a child whose school or day care has closed. To reduce the risk of having to take unpaid leave in these situations, the Families First Coronavirus Response Act, passed in March 2020, provides short-term paid sick leave and longer-term, partially-paid family leave for absences related to coronavirus, through December 31, 2020. The law excludes the millions of workers at businesses with 500 or more employees.

Table 6: Comparing the Candidates on Paid Leave
Donald Trump (R)Joe Biden (D)
  • Has called for some type of national paid parental leave and has allocated funds for it in his FY 2020 budget, but has not issued any formal proposal.
  • Signaled his support for a 2019 Senate bill that would allow new parents to borrow from their future child tax credits while they took time off work, a different approach from most other paid family leave proposals. The bill has stalled.
  • Signed legislation granting federal employees up to 12 weeks of job-protected paid leave for the birth or adoption of a child.
  • Signed legislation that temporarily provides eligible workers with short-term paid sick leave and longer-term paid family leave for specified reasons related to coronavirus. Subsequently elected to exempt virtually all health care workers and emergency responders, as well as employees at firms with fewer than 50 employees, from some or all provisions of the law.
  • No stated position on campaign website.
  • Has proposed adopting the national paid family and medical leave program envisioned in the FAMILIES Act, which would guarantee workers up to 12 weeks of job-protected leave at partial pay for the birth or placement of a child or to care for family members with a serious illness.
  • Has called for passage of the Healthy Families Act, which would allow workers to accrue and use up to seven job-protected days of paid sick leave per year.
  • Supports expanding the coronavirus emergency paid sick and family leave benefits to include all workers regardless of industry, sector, or employer size, closing many of the gaps in the existing law.
  • As Senator, voted for the Family and Medical Leave Act of 1993 (FMLA), which provides eligible employees up to 12 weeks of job-protected, unpaid leave for qualified medical and family reasons.

Conclusion

There is much at stake for women in the 2020 presidential election and the candidates’ differences on women’s health are stark. President Donald Trump has not released a conventional set of campaign policy proposals, but his record in office illustrates his priorities, which include supporting efforts to repeal the ACA, prioritizing the religious beliefs of employers, including their objections to contraception, and promulgating regulations that limit access to abortion. In contrast, former Vice President Joe Biden supports retaining and strengthening the ACA and expanding access to the full range of reproductive health care, including contraception and abortion. Regardless of the outcome, the 2020 election cycle has significant ramifications for the policy agenda that will shape women’s health for years to come.

  1. Although this brief focuses on domestic policy, the outcome of the 2020 election also has implications for global reproductive health issues, particularly as they relate to the Kemp-Kasten amendment and the Mexico City Policy. ↩︎

Women’s Health on the Ballot

Author: Michelle Long
Published: Oct 15, 2020

Updated Nov 11, 2020

In addition to voting for elected officials this November, voters in three states will also cast their votes on four ballot measures that could play a significant role in shaping policies and programs that affect women’s health and well-being.

Voters in Colorado and Louisiana will vote on measures restricting access to abortion, those in Washington state will vote on whether to require sex education in public school curriculums, and voters in Colorado will decide whether the state will join 8 other states and D.C. in creating a paid family and medical leave program for its workers.

This brief summarizes each of these ballot measures and their implications.

22 Week Abortion Ban: Colorado

Name: Proposition 115 (End Late Term Abortions in Colorado)

Description: Prohibits abortion in Colorado after fetus reaches 22-weeks gestational age.

Implications:
  • Colorado does not currently have a gestational limit for abortion.
  • If passed, abortion would only be permitted beyond 22-weeks in cases of immediate, physical life endangerment of the pregnant person. Those seeking an abortion after this timeframe would have to travel to another state to obtain a legal abortion. Currently, 17 states have a similar gestational limit, which is more restrictive than the standard of viability established by Roe v. Wade.
  • Performing or attempting to perform a prohibited abortion in Colorado would be a Class 1 misdemeanor, punishable by a fine and 3-year suspension of state medical license. People on whom a prohibited abortion is performed would not be charged with a crime.
  • Outcome: Rejected

No State Constitutional Right to Abortion: Louisiana

Name: Amendment 1 (House Bill 425/Love Life Amendment)

Description: Adds language to the Louisiana state constitution clarifying that there is no right to abortion or abortion funding.

Implications:
  • If the U.S. Supreme Court were to overturn Roe v. Wade, which holds that under the U.S. Constitution, abortion may not be banned before fetal viability, regulation of abortion would be returned to the states.
  • States that do not have constitutional or statutory provisions safeguarding abortion rights could further restrict or prohibit abortion.
  • If Roe v. Wade is overturned or a future Supreme Court decision gives states more leeway to enact restrictions on abortion, this constitutional amendment would open the door to future state legislation that could block or severely restrict access to abortion in Louisiana.
  • Outcome: Approved

Sex Education in Public Schools: Washington

Name: Referendum 90 (Senate Bill 5395)

Description: Would require Washington public schools to provide comprehensive sexual health education for all students. The Washington legislature passed and the governor signed the law (SB 5395) in March 2020. Voters were asked whether to uphold or repeal the law.

Implications:
  • Washington state law does not currently require comprehensive sex education to be taught in public schools, though local school boards may choose to provide it.
  • If approved, the referendum would require public school students in Kindergarten through 12th grades to receive age-appropriate, comprehensive instruction in human development and reproduction, including affirmative consent and bystander training.
  • Would require students to be excused if requested by their parents.
  • Outcome: Approved
Name: Proposition 118

Description: Establishes a paid family and medical leave insurance program that provides up to 12 weeks of job-protected, paid leave for qualified reasons including to care for own serious health condition or that of a family member, and to care for a new child. Additional 4 weeks provided for pregnancy or childbirth complications. Funded through a payroll tax evenly split between employers and employees.

Implications:
  • It is estimated that 80% of Coloradans currently do not have access to paid family and medical leave. An estimated 2.6 million Coloradans would benefit from this program.
  • Benefit covers 90% of average weekly wage for those who earn 50% or less of the state average, and up to 50% for those that earn more than 50% of the state average.
  • Workers who elect coverage are eligible for paid leave after earning $2,500, but must have worked for the employer for at least 6 months for job protection. Covered employees would retain their employer-sponsored health insurance if they were already enrolled. Local governments may opt out of the program, but employees may still elect coverage. Employers with fewer than 10 employees would be exempt from paying the premium, though covered employees would still have access to the benefit. Self-employed individuals are also eligible.
  • Outcome: Approved

Looking Forward

Initiatives that seek to restrict access to abortion may garner renewed attention and urgency if a new conservative majority on the U.S. Supreme Court rules to permit more state regulations of abortion or to overturn Roe v. Wade, eliminating the constitutional right to abortion and allowing states to make their own policies regarding abortion access. Alternatively, this could encourage some states to seek to affirm abortion rights. Additionally, the coronavirus pandemic has put a spotlight on the importance of paid leave, and state legislative efforts or ballot initiatives creating paid sick and family leave programs are likely to continue even after the pandemic subsides.

News Release

States Expect Medicaid Enrollment and Spending to Increase by Over 8 Percent Each in FY 2021, Primarily Driven By a Slumping Economy and Federal Conditions to Maintain Eligibility to Access Enhanced Federal Medicaid Funds

States Are Taking Policy Actions to Respond to the Pandemic but Most Cite Budget Concerns as Biggest Challenge Looking Ahead

Published: Oct 14, 2020

Following several years of declining or flat enrollment growth, states expect Medicaid enrollment and spending each to jump by more than 8 percent in fiscal year 2021, chiefly due to a slumping economy amid the pandemic and federal conditions to maintain coverage to access enhanced federal matching funds, according to a new KFF Medicaid budget survey.

The 20th annual survey of state Medicaid directors finds that enrollment is expected to grow by 8.2 percent and combined federal and state Medicaid spending expected to increase by 8.4 percent in the next fiscal year, reflecting a dramatic reversal in economic conditions and state fiscal outlooks. This follows total Medicaid spending growth of 6.3 percent for fiscal 2020, a year in which enrollment remained basically flat.

The findings paint a picture of a Medicaid program that state officials expect increasingly will be relied upon to provide health coverage and help soften the economic blow of the coronavirus pandemic for low-income people – all at a time when state governments’ financial capacity to provide such services is stretched thin.

To help provide fiscal relief, Congress earlier this year authorized a 6.2 percentage point increase in the federal Medicaid match rate (FMAP) as part of the Families First Coronavirus Response Act (FFCRA). To be eligible for the funds, states cannot tighten Medicaid eligibility standards or raise premiums beyond policies in place as of January 1, 2020 and must provide continuous eligibility for enrollees through the public emergency period. The FMAP increase does not apply to the Affordable Care Act’s expansion group, for which the federal government already pays 90 percent of costs.

Nearly all states indicated that they are using the extra federal money to help pay costs related to rising Medicaid enrollment and to help close Medicaid or general budget shortfalls. About two-thirds of reporting states said the fiscal relief is also being used to mitigate provider rate and/or benefit cuts.

While expected state spending on Medicaid is crucial to state budgets, the projections in this year’s survey do not provide a clear picture because enhanced federal funding is now slated to expire at the end of March 2021 based on the recent renewal of the Public Health Emergency (PHE), later than states had generally assumed. At the time of the survey, states estimated that state Medicaid spending would decline in FY 2020 (-0.5%) and then sharply increase in FY 2021 (12.2%) with most states assuming that the enhanced matching funds would expire by December 2020.

Nearly all states report significant adverse economic and state budgetary impacts driven by the pandemic, as well as uncertainty about the future. Even with the extension of the enhanced FMAP, those funds are unlikely to fully offset state revenue declines and fully address state revenue budget shortfalls that range from 1 percent to up to 30 percent for FY 2021 according to the National Conference of State Legislatures.

State policy actions

The annual budget survey, conducted with Health Management Associates, provides an in-depth, state-specific examination of changes and initiatives taking place in Medicaid programs. This year, many involve the response to the COVID-19 pandemic. Notable findings include:

  • States are providing targeted support to providers, who are under financial strain amid decreased utilization during the pandemic. More than half of responding states indicated that one or more payment changes made in FY 2020 or FY 2021 are related in whole or in part to COVID-19. While more states at the time of the survey report targeted fee-for-service rate increases in FY 2021, a few states cut provider rates across all or nearly all provider categories and other states have indicated rate freezes or reductions were likely.
  • The majority of states also added or expanded telehealth service delivery, and many plan to extend these changes beyond the public health emergency period.
  • The pandemic has elevated the importance of addressing longstanding disparities in health and health care, with 27 states reporting the implementation, expansion, or reform of a program or initiative to address Medicaid enrollees’ social determinants of health in response to COVID-19.

Finally, while there has been attention to institutional care, the survey report finds that the long-term care workforce (for both institutional and community based long-term care) was a challenge for many responding states, and on many fronts related to the pandemic. The majority of states reported challenges with reductions in long-term services and supports (LTSS) direct care workforce supply as a result of the pandemic, access to personal protective equipment (PPE) and testing for direct care workers, and infection among direct care workers.

As states utilize their Medicaid programs to respond to the pandemic, the larger trend toward state adoption and implementation of Medicaid expansion continues. To date 38 states and Washington DC have adopted the ACA Medicaid expansion. Of these, 36 states and DC have implemented expansion coverage (including Idaho and Utah, which both implemented the expansion on January 1, 2020, and Nebraska, which implemented the expansion as of October 1, 2020). Two additional states, Missouri and Oklahoma, will implement the expansion in FY 2022 as a result of successful Medicaid expansion ballot initiatives.

The survey findings are presented in two reports: