TABLE 1.
Treatment and Comparison Groups Defined by Income and State Policy
Eligibility Category | Description | Possible Mechanism for ACA Coverage Effect |
---|---|---|
Pre-ACA Medicaid eligible | Adults eligible for Medicaid before ACA Medicaid expansion. Eligibility commonly limited to adults with disabilities, low-income seniors, pregnant women, and some low-income adults with dependent children. Upper income limits in many states extremely low. Several states undertook early expansions (2010–2012) | Increased awareness of Medicaid and simplified application process may increase applications and enrollment. Individual coverage mandate should increase effort to enroll, but many individuals eligible for Medicaid pre-ACA would be exempt from any penalty |
Expanded Medicaid eligible | Adults newly eligible for Medicaid, up to 138% FPG in expansion states | New zero or low-cost coverage; expect larger effect for cancer survivors.22,25 Individual mandate would increase takeup for adults in this category, but the effect would be similar for adults with and without a cancer history |
Poor adults, not Medicated eligible | Adults with income <100% FPG, not Medicaid-eligible pre-ACA and residing in nonexpansion states. Not eligible for Marketplace premium subsidies | Small indirect benefits. May experience increased offers of coverage through employers, or may purchase unsubsidized Marketplace plans. Latter effect may be greater for cancer survivors. Adults who fall in this category are exempt from the individual mandate |
Marketplace premium subsidies | Adults eligible for premium subsidies for purchase of private plans. In Medicaid expansion states, from 138% to 400% FPG; in states not expanding Medicaid, from 100% to 400% FPG | Newly available subsidized private insurance without healthrelated underwriting. Cancer survivors expected to have higher demand for coverage22,25 |
Alternative affordable coverage | Adults who are income eligible for Marketplace premium subsidies, but with employment-sponsored insurance offers or coverage, or Medicare enrolled | Small indirect benefits. Individual mandate may encourage takeup of employer-sponsored insurance offers, or purchase of unsubsidized Marketplace plans. Both effects expected to be greater for cancer survivors22,25 |
Income >400% FPG | Adults not eligible for Marketplace subsidies. | Individual mandate may encourage purchase of unsubsidized Marketplace plans. Effect may be slightly larger for cancer survivors, who benefit from reduced medical underwriting |
ACA indicates Affordable Care Act; FPG, federal poverty guideline.