4 ms·

I didn’t read the study, but an even bigger factor than SSDI is Medicaid expansion. Free insurance with no co-pays and deductibles is worth a lot of money if yo

by zaroth 9y ago

I didn’t read the study, but an even bigger factor than SSDI is Medicaid expansion. Free insurance with no co-pays and deductibles is worth a lot of money if you consume any healthcare services, and you can only get it if you don’t earn more than 140% FPL.

dragonwriter 9y ago
> Free insurance with no co-pays and deductibles is worth a lot of money if you consume any healthcare services, and you can only get it if you don’t work. The Medicaid expansion population is up to 138% of Federal Poverty Level, so it's not “available only if you don't work”, and the vast majority of states participating in the expansion impose cost sharing requirements (which work like deductibles, though at least the ones I know well are monthly rather than annual), so it's mostly not “with no copay or deductible”.
- DrScump 9y ago
  The Medicaid population excludes those who pay any portion of subsidized ACA policies, even when the subsidy is 95+% (e.g. paying $10/month for a Bronze policy with the taxpayers paying the other $500+).
  - dragonwriter 9y ago
    > The Medicaid population excludes those who pay any portion of subsidized ACA policies The ACA subsidy minimum income in Medicaid expansion states is the exact minimum amount that fails to qualify for Medicaid expansion in the first place, so such an exclusion is irrelevant to the expansion population (the ACA minimum is lower—100% of FPL—in states that don't expand Medicaid, but that's obviously immaterial to the effect of Medicaid expansion.) Medicaid cost sharing is, in case you are unclear, also a completely different thing than the recipient paying a subsidized ACA premium, it's being on Medicaid and paying the first $N/month for Medicaid services, where N is income dependent, out of pocket.

4 ms·

I didn’t read the study, but an even bigger factor than SSDI is Medicaid expansion. Free insurance with no co-pays and deductibles is worth a lot of money if yo

by zaroth 9y ago

dragonwriter 9y ago
> Free insurance with no co-pays and deductibles is worth a lot of money if you consume any healthcare services, and you can only get it if you don’t work. The Medicaid expansion population is up to 138% of Federal Poverty Level, so it's not “available only if you don't work”, and the vast majority of states participating in the expansion impose cost sharing requirements (which work like deductibles, though at least the ones I know well are monthly rather than annual), so it's mostly not “with no copay or deductible”.
- DrScump 9y ago
  The Medicaid population excludes those who pay any portion of subsidized ACA policies, even when the subsidy is 95+% (e.g. paying $10/month for a Bronze policy with the taxpayers paying the other $500+).
  - dragonwriter 9y ago
    > The Medicaid population excludes those who pay any portion of subsidized ACA policies The ACA subsidy minimum income in Medicaid expansion states is the exact minimum amount that fails to qualify for Medicaid expansion in the first place, so such an exclusion is irrelevant to the expansion population (the ACA minimum is lower—100% of FPL—in states that don't expand Medicaid, but that's obviously immaterial to the effect of Medicaid expansion.) Medicaid cost sharing is, in case you are unclear, also a completely different thing than the recipient paying a subsidized ACA premium, it's being on Medicaid and paying the first $N/month for Medicaid services, where N is income dependent, out of pocket.