Category

Affordable Care Act

Fact Sheet: Open Enrollment for 2018 through Medicare & the Marketplace

By | Affordable Care Act, FACT SHEET, Health Care, Medicare, REPORTS | No Comments

Here’s what older adults need to know about this year’s Open Enrollment periods for both Medicare and the Affordable Care Act Health Insurance Marketplaces.

Open Enrollment

Fall is open enrollment time for both Medicare beneficiaries and enrollees in the Affordable Care Act Health Insurance Marketplaces for coverage in 2018.

Justice in Aging’s open enrollment fact sheet reveals who is impacted by fall open enrollment, covers critical dates for each group, and provides key information on actions to take to ensure continuous coverage.

Key Facts:

  • Part C and Part D enrollees should review their coverage options each year as Medicare Advantage and Prescription Drug plans can change their cost-sharing, provider networks and drug formularies.
  • Medicare’s open enrollment period is from October 15-December 7, 2017.
  • The Marketplace enrollment period has been cut in half from 12 weeks to 6 weeks.
  • The Marketplace enrollment period is from November 1-December 15, 2017.
  • Open enrollment periods have been extended for victims of some natural disasters.

Read the Fact Sheet

Graham-Cassidy ACA Repeal & Replace Proposal: New Name, Same Attacks on Older Adults

By | Affordable Care Act, BLOG, Health Care, Health Care Defense, Medicaid, Uncategorized | No Comments
Senators Graham and Cassidy recently released the lone remaining proposal to repeal and replace the Affordable Care Act (ACA). The Graham-Cassidy plan once again takes direct aim at Medicaid to pay for tax cuts and provisions that primarily benefit the wealthy and makes even more harmful changes to the ACA than the bills the Senate voted on in July. Any of its provisions alone or in combination would be devastating for older adults, people with disabilities and anyone with limited income and are counter to the current bipartisan efforts to improve the ACA. Read More

Health Savings Accounts Won’t Help Most Older Adults

By | Affordable Care Act, Health Care, ISSUE BRIEF, REPORTS | No Comments

Proposals to expand the use of Health Savings Accounts (HSAs) have been raised repeatedly in the health care debate. This new issue brief looks at how expanding HSAs would impact the affordability of health care coverage for low and moderate income older adults by examining how HSAs would have functioned under one proposal, the Better Care Reconciliation Act (BCRA), had it become law.

The paper finds that the combination of HSA contributions and premium costs can easily reach 20% to 30% of an older adult’s income. It concludes that HSAs are not a path to affordable health care for older adults. Read the brief.

Older Adults & the ACA Health Insurance Marketplace: What’s at Stake for 2018

By | Affordable Care Act, BLOG, Health Care, Health Care Defense | No Comments
Among its many achievements, the Affordable Care Act (ACA) has made great strides in covering more older adults who previously had no access to health care. Before the ACA, many low-income older adults who did not have employer-based coverage had no affordable coverage options to address their growing health care needs prior to becoming eligible for Medicare. Insurance companies were allowed to effectively price lower-income older adults out of the individual market or deny them coverage altogether based on pre-existing conditions. These insurance practices posed significant barriers for the 84 percent of people ages 55 to 64 estimated to have at least one pre-existing condition. Read More

Senate ACA-Repeal Knocks Down House, Builds Shack

By | Affordable Care Act, BLOG, Health Care, Health Care Defense, Home & Community Based Services, HOMEPAGE | No Comments
Over 90% of older adults say that they want to remain in their homes as they age, rather than going into a nursing home. A successful and popular program, Community First Choice (CFC), lets people do just that.

The revised Senate health care bill brings an idea that should be a hard sell for the over 3 million older adults and people with disabilities who rely on Medicaid for in-home care. On top of a massive almost $800 billion cut to Medicaid that guarantees shrunken programs and eliminated services, the Senate bill kills CFC and replaces it with an inferior version that provides fewer services for a limited time only.

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The Republican Health Care Bill is Bad News for Your Grandparents. And Your Parents. And You.

By | Affordable Care Act, BLOG, Health Care Defense, Medicaid, Medicare, Nursing Homes | No Comments
Who needs Medicaid? Probably someone you know. Medicaid is the backstop government program that provides coverage when someone can’t afford necessary health care. Historically, Medicaid coverage focused on children, older adults, and persons with disabilities, although 2010’s Affordable Care Act expanded Medicaid coverage to some low-income adults without disabilities. The Better Care Reconciliation Act, which Senate Republicans just released, not only aims to take away the expanded coverage, but also makes deep cuts to the core Medicaid program that inevitably will lead to health care rationing. Read More

4 Ways the AHCA is an Attack on Older Adults

By | Affordable Care Act, BLOG, Health Care, Health Care Defense, Medicaid | No Comments
The House is set to vote today on the American Health Care Act (AHCA), the GOP bill to repeal and replace the Affordable Care Act (ACA). If enacted, 24 million Americans would lose their health coverage. Here are four ways the AHCA, with the recent amendments, is an attack on older adults:

1. The AHCA Guts Medicaid: The AHCA would drastically change Medicaid and harm older adults by cutting over $800 billion in federal funding, eliminating Medicaid expansion for adults ages 55 – 64, and weakening beneficiary protections. Under the AHCA, older adults and people with disabilities who rely on Medicaid would have fewer benefits and services, reduced access to home and community-based services, and receive less help paying for Medicare premiums or cost-sharing. States would be forced to make other cuts to Medicaid and other safety net programs as they will not have adequate funding to meet the needs of their aging populations. Read More

Repeal of the ACA—Without a Replacement—Threatens California Seniors

By | Affordable Care Act, BLOG, DUAL DEMONSTRATIONS, DUAL ELIGIBLES, Health Care, Health Care Defense, HOMEPAGE, Medicaid, Medicare | No Comments
There are currently 7.6 million older adults living in California who rely on Medicare, Medi-Cal, and the Affordable Care Act (ACA) to see a doctor, receive care in their home, and pay for prescription drugs. The repeal of the ACA threatens these critical programs, jeopardizing the care seniors receive every day. Read More

WEBINAR: How ACA Repeal Would Hurt Seniors

By | Affordable Care Act, Health Care, Health Care Defense, WEBINAR | No Comments
When: Tuesday, January 17 11:00 a.m. PT/ 2:00 p.m. ET.

The Affordable Care Act (ACA) is under immediate threat in Congress. The consequences of repealing the ACA are far reaching, and would impact the entire health care system including Medicare and Medicaid. For older adults, these programs serve as a lifeline that insures access to critical medical care. Repeal of the ACA would jeopardize the care seniors receive every day by reducing coverage, and ending programs seniors rely on to remain in their homes and communities. The out-of-pocket costs seniors pay today for care would increase, straining already tight budgets.

This webinar, How ACA Repeal would Hurt Seniors, provided a summary of the impact an ACA repeal would have on low-income older adults, including how it would affect seniors who rely on Medicaid and Medicare. We also provided an update on the efforts Congress is taking to effectuate a repeal and what procedural steps are yet to come.

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