The Patient Protection and Affordable Care Act Young Adult Outreach and Education

Who Doesn’t Have Insurance?  13.4% of residents in Virginia lack insurance  23.3% of year olds in Virginia lack insurance  15.7% of residents in the U.S. lack insurance  26.9% of year olds in the US lack insurance

Who are Young Invincibles?

 How does the ACA affect young adults  Young adult outreach Overview

 ACA was signed into law March 23, 2010  Could cover as many as 17 million previously uninsured young Americans  Reforms insurance market  Phased in from What is the ACA?

ACA Provisions Already in Effect that Help Young Adults

 Under 26 can stay on parent’s plan  Under 19 – no denial for pre-existing conditions  Free Preventive Care – no co-pays on screenings and check-ups  Must spend 80 or 85% of premiums on health care (depending on plan) What’s Already in Effect?

 Student Health Plans  Women’s Health  Contraception  Community Health Centers New This Year

 Previously limited regulations  Now subject to standardized ACA requirements  Must include preventive care benefits  80/20 Ratio by 2014 Student Health Plans

Women’s Health Benefits  Well-women visits  Support for breastfeeding  Domestic violence screening and counseling  Mammograms and cancer screenings

Contraception  As of Aug 2012, new health insurance plans must cover contraception with no co-pay  Most plans will see this change in Jan 2013  Religious institutions exempt  Religiously-affiliated institutions get 1 year delay  After Aug 2013, employees and students get coverage directly from insurance companies

 Currently 8,000 CHCs provide care to 20 million individuals  In June 2012 grants went to 219 community health centers around the country  Increased number of patients served by 1.25 million Growth of Community Health Centers (CHCs)

What Changes Will Come in 2014?

 Medicaid Expansion  Subsidies  Exchanges/Marketplaces  Individual Mandate Changes to Come

 Currently eligible:  Low-income children, parents and pregnant women  Individuals with disabilities  Eligible in 2014:  EVERYONE ≤133% of FPL  States can decide whether to expand  Virginia has not decided whether to expand Medicaid Virginia and Medicaid

Potential Benefit to Young Adults in Virginia

 Those making % of the federal poverty level (FPL) will qualify for subsidies (tax credits) to buy insurance on the exchange  133% of FPL for 1 person is $14,900  400% of FPL for 1 person is $44,000 Subsidies/Tax Credits

How Much of a Subsidy? FPLIncomePremiumTax CreditActual Cost 133%$1,275$283$244$39 250%$2,397$283$90$193 Four tiers of plans – Bronze, Silver, Gold, and Platinum Subsidies are calculated based on Silver plan Individuals can use subsidy for any plan

 Shop for insurance  Each state is different  State-based exchange  Federally-facilitated exchanges (FFEs)  Partnerships  Subsidies applied directly  Virginia is still undecided on what type of exchange it will have Ex-cha-cha-cha-Changes

Exchanges in the States Governor Bob McDonnell must notify HHS about what type of exchange VA will have by Dec. 14 Picture Source: Kaiser Family Foundation

How many young people in Virginia could get benefits?

Other important parts of the ACA Picture Source:  Catastrophic plans  Available on exchange, no subsidies apply  Marketed to the young  Targets those with financial hardship  No Annual Limits in 2014 (already phasing out)  Tax Credit for employers (already started)

 Individuals must have qualifying health insurance  If not, penalties  $95 the first year  Rises in 2016, ex. $695  Exemptions Individual Mandate and Penalties Picture Source:

Jessica, 19 years old  Part-time student, part-time job  $10,000/year before taxes ~ 87% of poverty  Without Medicaid expansion, she doesn’t qualify for Medicaid and would not have health insurance

Jeff, 21 years old  Part-time student, full-time construction worker  Earns $23,000/year  Takes home: $1,438/month  Total health premium: $283/month  With tax credits he pays: $121/month

 Young adults have high rates of uninsurance  The ACA has many provisions that help young adults  Dependent Coverage  Student Health Plans  Contraception and Women’s Health  Changes to come  Expanded Medicaid  Subsidies  Exchanges  Individual Mandate Overview: ACA and Young Adults

Outreach and Education for Young Adults in Virginia

 Health Care Outreach  Mobile Technology  Social Media  Challenges  Navigators  Timeline Overview

 Traditional Outreach  Tabling  Group presentations  Hosting events  New Outreach Strategies Health Care Outreach

 Your Healthcare Finder  Find doctors in the area  For Android and iPhoneAndroidiPhone  Mobile Website  Text Message Services  QR Codes  Can be scanned and direct users to your website Mobile Outreach

 Find doctors and Community Health Centers in your area  Search by location with GPS or zip code  Search by name or category  Shows user ratings of doctors in the area Find a Doctor

 Explains how to find health insurance for different people (students, chronic conditions, buying your own plan)  Explains the health care law  Defines common health insurance terms Healthcare FAQ

 Facebook  Create events  Send news updates  Twitter  Connect with new people  Coordinate plans  Retweet  Be fun! Using Social Media Picture Source: Wikimedia Commons

 It’s expensive  ACA offers new options  I’m young and healthy  Injuries can happen to anyone  Make it personal  Why do I need health insurance?  Uninsured drives up health care costs  Individual mandate requires insurance Why do I need Insurance?

Navigators & Assisters Type of ExchangeNavigator In-Person Assistance Program State-Based ExchangeState runsOptional Partnership Exchange Fed. Govt. and state decide who runs ? Federally-Facilitated Exchange Fed. Govt. runs

 Present – end of 2012:  Educate young adults about ACA  Ensure young adults are on dependent coverage  Jan – Oct 2013:  Educate young adults about the upcoming Exchanges  Oct 1 st, 2013 – March 31 st, 2014  Open enrollment for exchanges  Ensure young adults are getting subsidies and Medicaid, if possible Timeline: What to Look For

 ACA is phasing in, some changes already underway  Outreach and education  Traditional outreach  Social media and mobile technology  Big changes in 2013  Like us on Facebook  Follow us on Twitter Key