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.
In 2014, the Centers for Medicare and Medicaid Services (CMS) released regulations that set standards for the settings in which HCBS are provided. To implement these regulations, each state must have a transition plan approved by CMS by March 2019, with full compliance required by March 2022.
Tina and Jackie were born in the same town in 1947. Despite similar beginnings, their lives take very different turns. In 1967, Tina meets Frank. And Jackie meets Frances. As a same-sex couple, Jackie and Frances couldn’t marry, were denied spousal benefits, and experienced a lifetime of discrimination and lost wages. Fast forward to today, and Jackie, like so many other older adults, struggles with financial insecurity, social isolation, and overall lack of health and well-being, simply because they are lesbian, gay, bisexual, or transgender (LGBT). Read More
Decision in Alexander v. Price Means Medicare Patients Could Gain Right to Appeal Placement on “Observation Status” and Avoid Large Medical Bills
August 1, 2017 – Eighty-four-year-old Nancy Niemi of North Carolina was hospitalized for 39 days earlier this year after her doctor sent her to the emergency room. It took weeks to stabilize her blood pressure and she experienced serious complications. But unbelievably, Ms. Niemi was categorized as an outpatient on “observation status” for her entire hospitalization, and she therefore lacked the three-day inpatient stay Medicare requires for coverage of her subsequent, very expensive care at a nursing home. Ms. Niemi’s son tried to help her challenge her lengthy placement on observation status, but Medicare does not allow beneficiaries to appeal this issue. She still owes thousands of dollars to the nursing facility. However, due to the federal court decision issued July 31, 2017, she is now a member of a nationwide class of hospital patients who may gain the right to appeal their placement on observation status.
Below is a statement by Executive Director Kevin Prindiville of Justice in Aging
Today, the Senate took a reckless and irresponsible step towards gutting healthcare for older adults and others, and removing critical consumer protections that save lives. With Vice President Pence casting the tie-breaking vote, the Senate voted to begin a curtailed 20-hour debate on several bills that would drastically change our health care system, stripping coverage from millions of Americans and cutting over $750 billion from Medicaid. Any bill that emerges from such a chaotic process would have devastating effects on older Americans and their families.
Below is a statement by Executive Director Kevin Prindiville on the Obamacare Repeal Reconciliation Act of 2017 (ORRA)
Today the non-partisan Congressional Budget Office (CBO) confirmed what we already knew: repealing the Affordable Care Act and delaying replacement will wreak havoc on our health care system. According to the CBO’s report, the Senate’s latest bill would strip coverage from 32 million Americans and cause health insurance premiums to nearly double in the next decade.
Senate leadership has announced that they will no longer move forward with the Better Care Reconciliation Act (BCRA) of 2017. Instead, they seek to proceed to a vote to immediately repeal the Affordable Care Act, and delay replacement to a later date.
While we are relieved that the BCRA, and its unprecedented cuts to Medicaid, is off the table, repealing the ACA remains a terrible idea that would harm older adults—especially in the absence of a meaningful replacement bill.
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.