Analysis of ‘Health Insurance Coverage’ provided by Analyst-2 (analyst-2.ai), based on source dataset retrieved from https://www.kaggle.com/hhs/health-insurance on 28 January 2022.

--- Dataset description provided by original source is as follows ---

Context

The Affordable Care Act (ACA) is the name for the comprehensive health care reform law and its amendments which addresses health insurance coverage, health care costs, and preventive care. The law was enacted in two parts: The Patient Protection and Affordable Care Act was signed into law on March 23, 2010 by President Barack Obama and was amended by the Health Care and Education Reconciliation Act on March 30, 2010.

Content

This dataset provides health insurance coverage data for each state and the nation as a whole, including variables such as the uninsured rates before and after Obamacare, estimates of individuals covered by employer and marketplace healthcare plans, and enrollment in Medicare and Medicaid programs.

Acknowledgements

The health insurance coverage data was compiled from the US Department of Health and Human Services and US Census Bureau.

Inspiration

How has the Affordable Care Act changed the rate of citizens with health insurance coverage? Which states observed the greatest decline in their uninsured rate? Did those states expand Medicaid program coverage and/or implement a health insurance marketplace? What do you predict will happen to the nationwide uninsured rate in the next five years?

--- Original source retains full ownership of the source dataset ---

The Affordable Care Act (ACA) is a federal statute enacted with a goal of increasing the quality and affordability of health insurance. Through a web service, CMS sends applicant information to SSA. SSA matches applicant data to various SSA data sources and provides a response back to CMS, based on the results of the matches. The results of these matches help CMS and states determine an applicant's eligibility and cost for health insurance. SSA provides results to CMS for matches of SSN, Name, and DOB against the Numident. SSA may also provide incarceration data from PUPS, Title II income from the MBR, and quarters of coverage data from the MEF.

Data for cities, communities, and City of Los Angeles Council Districts were generated using a small area estimation method which combined the survey data with population benchmark data (2022 population estimates for Los Angeles County) and neighborhood characteristics data (e.g., U.S. Census Bureau, 2017-2021 American Community Survey 5-Year Estimates). This indicator includes adults who reported it is somewhat or very difficult to obtain needed medical care.The vast majority of adults and children in Los Angeles County have health insurance, in large part due to outreach efforts and local insurance availability for children and the expansion of insurance coverage following the passage of the federal Affordable Care Act in 2012. Despite this progress, rates of uninsured remain high in some communities. Even among people who have health insurance, many continue to experience difficulties accessing needed healthcare. Cities and community organizations can play an important role in advocating for needed services and in providing information on free or low-cost services in their communities. Hospitals can also provide medical and dental services through their community benefit programs and other community services.For more information about the Community Health Profiles Data Initiative, please see the initiative homepage.

Abstract (en): In January 2013, the Urban Institute launched the Health Reform Monitoring Survey (HRMS), a quarterly survey of the nonelderly population, to explore the value of cutting-edge, Internet-based survey methods to monitor the Affordable Care Act (ACA) before data from federal government surveys are available. Topics covered by the second round of the survey (second quarter 2013) include self-reported health status, type of and satisfaction with current health insurance coverage, access to and use of health care, health care affordability, whether the respondent considered purchasing or tried to purchase health insurance coverage directly from an insurance company, whether the respondent considered obtaining coverage through Medicaid or other government sponsored assistance plan based on income or disability, sources of information about health insurance, and the importance of various criteria in choosing a health insurance plan. Additional information collected by the survey includes age, education, race, Hispanic origin, gender, income, household size, housing type, marital status, employment status, number of employees at place of work, United States citizenship, smoking, internet access, home ownership, body mass index, sexual orientation, and whether the respondent reported an ambulatory care sensitive condition or a mental or behavioral condition. ICPSR data undergo a confidentiality review and are altered when necessary to limit the risk of disclosure. ICPSR also routinely creates ready-to-go data files along with setups in the major statistical software formats as well as standard codebooks to accompany the data. In addition to these procedures, ICPSR performed the following processing steps for this data collection: Checked for undocumented or out-of-range codes.. Response Rates: The HRMS response rate is roughly five percent each quarter. Datasets:DS0: Study-Level FilesDS1: Public-use DataDS2: Restricted-use Data Household population aged 18-64. Each quarterly HRMS sample is drawn from the KnowledgePanel, a probability-based, nationally representative Internet panel maintained by GfK Custom Research. Beginning with the second quarter of 2013, the HRMS includes oversamples of adults with family incomes at or below 138 percent of the federal poverty level and adults from selected state groups based on (1) the potential for gains in insurance coverage in the state under the ACA as estimated by the Urban Institute's microsimulation model and (2) states of specific interest to the HRMS funders. Additional funders have supported oversamples of adults from individual states or subgroups of interest (including children). However, ICPSR received data only for the adults in the general national sample and the income and state group oversamples. 2019-07-10 Variable Q7_F was removed from public dataset. An updated codebook excluding this variable was provided for public use. Current release will feature DS1 as public-use data only and DS2 as restricted-use data. Previous release included both public and restricted versions of DS1. Study title updated to include geographic information.2017-06-20 The principal investigators added a new weight variable to the data file and the technical documentation was updated accordingly.2015-03-23 The principal investigators deleted the multiple imputation variables _1_famsize, _2_famsize, _3_famsize, _4_famsize and _5_famsize. ICPSR revised the codebook accordingly and added to the collection a plain text version of the data with a Stata setup and record layout file. Funding institution(s): Ford Foundation. Urban Institute. Robert Wood Johnson Foundation (71390). web-based survey

The Trump administration terminated cost-sharing reductions (CSRs) payments to health insurers in 2017, while still required insurers to provide CSRs to eligible enrollees in the Marketplace. Marketplace administration data reveals that, in response to this termination, insurers raised premiums to compensate for their loss. Consequently, premium increases led to more advanced premium tax credits for enrollees in the Marketplace. To investigate the impact of CSRs payment termination on low-income consumer insurance plan choices, I leverage variations in state price regulations and employed a difference-in-differences design. In a robustness analysis, I utilized differences in county income distributions to examine the effects of the termination on insurance choices. The results indicate that after the termination, more low-income enrollees opted for cheaper bronze plans, and fewer chose silver plans. These results suggest that alterations in subsidy channels may inadvertently encourage low-income individuals to purchase less expensive health insurance plans, highlighting an unintended consequence of the termination of cost-sharing subsidies.

Reducing Costs, Protecting Consumers - The Affordable Care Act on the One Year Anniversary of the Patients Bill of Rights
For too long, too many hard working Americans paid the price for policies that handed free rein to insurance companies. In the eighteen months since the Affordable Care Act became law, President Obamas health reform has begun to give hard-working families the security they deserve and to help better control health care costs.