The Inflation Reduction Act of 2022 (IRA) included additional federal subsidies to make health insurance more affordable in the individual market, but these expire at the end of 2025. If Congress does not extend the expanded subsidies and levels revert to those in the original Affordable Care Act, all 2.37 million Californians in the individual market—including those not receiving subsidies—would face higher health insurance premiums and be forced to choose between more expensive coverage, less generous coverage, or forgoing coverage all together and going uninsured.

These comments were submitted to the California Office of Health Care Affordability (OHCA) in advance of the Board’s meeting in Monterey County on August 28, 2024. The comments describe the data and research showing that Monterey County has among the highest hospital prices in the state and country.

Blog post exploring the factors surrounding a proposal to expand Covered California to undocumented Californians by creating a “mirror marketplace.” This would give undocumented Californians, who are prevented by federal law from participating in Covered California, the ability to shop, compare, and enroll in health plans.

Comments submitted to the California Office of Health Care Affordability (OHCA) in response to the proposal of a 3.0% statewide health care spending growth target for 2025 to 2029.

This brief analyzes the impact SB 525 is projected to have on workers, patients, and the state budget in the first year of the policy. It is an update of our June 2023 and April 2023 briefs, both of which analyzed preliminary versions of the bill.

Data and methods appendix to the brief “California health care minimum wage: New estimates for impacts on workers, patients, and the state budget.”

Consumer health care affordability has deteriorated over the past two decades in California due to rising premiums along with increasingly common and increasingly large deductibles for job-based coverage. This report documents these trends and their implications for Californian’s health and financial well-being, and recommends how California’s new Office of Health Care Affordability can monitor consumer affordability metrics in order to ensure that consumers benefit from the office’s efforts to control growth in per capita health care spending.

Monterey County has some of the highest hospital costs in the state, and working families are struggling to pay their health care bills. To better understand why health care costs are so high in this Central Coast county, there is an urgent need to collect and analyze data that can help point to causes and solutions to the problem.

The California Office of Health Care Affordability (OHCA) will establish statewide and sectoral health care spending targets with the goal of achieving a more sustainable per capita rate of spending growth on health care provided by a range of health care entities. This policy brief will discuss the various economic indicators that can be used in setting the statewide target.

In this brief we estimate the new costs to the state resulting from SB 525 as well as the savings it would generate through reductions in safety net program enrollment of affected workers and their family members.

In April, the Biden Administration announced a proposed rule that would allow an estimated 40,000 uninsured DACA recipients in California access to subsidized health coverage through Covered California. This fills an important gap in health coverage options, but it renders access to Covered California contingent on DACA status—which itself is at risk of being overturned by the courts.

This report shows that the proposed California Senate Bill No. 525 (SB 525), which would establish a new $25 per hour minimum wage for health care employees, has the potential to substantially improve conditions for low-wage health care workers that provide essential services to the state, ameliorate staffing shortages in the industry, and improve quality of care.

California continues to make remarkable progress in expanding access to health coverage, including by expanding Medi-Cal eligibility for low-income undocumented residents. Yet, we project there will be 520,000 uninsured undocumented residents who earn too much for Medi-Cal and do not have employer coverage. This group remains categorically excluded from enrolling in Covered California and cannot receive federal subsidies to make coverage more affordable.

This blog post outlines the assistance offered by the recently-established Child Care Providers United California Workers Health Care Fund, summarizes recent findings from a David Binder Research/ California Health Care Foundation survey that underscore the need for this new health care investment for family child care providers, and discusses how the program will improve affordability for providers and benefit California as a whole.

Labor Center research was used in a years-long campaign by health and immigrant advocates to bring health coverage to undocumented Californians.

Proposed federal regulations would fix the family glitch by extending subsidies to spouses and children offered unaffordable family coverage through an employer. The employee would still be excluded from subsidies if their cost for single coverage through their employer was affordable. We use the California Simulations of Insurance Markets (CalSIM) model to project for 2023 how many people would fall into the family glitch in California, how many would be newly eligible for a positive dollar subsidy, and how many would enroll in Covered California with subsidies under the family glitch fix.

The Inflation Reduction Act (IRA) currently being considered by Congress would improve health care affordability for many Californians by addressing high and rising drug prices and by extending the improved premium affordability assistance to Covered California enrollees that began in 2021. The extension of federal premium assistance would also unlock additional state-financed affordability help to reduce how much Covered California enrollees pay out-of-pocket when they access care.

Comment submitted to the Internal Revenue Service on proposed regulation that would address the ACA “Family Glitch.”

The Medi-Cal redetermination process has been paused during the COVID public health emergency. As a result, many more individuals have newly enrolled in Medi-Cal than disenrolled, increasing Medi-Cal enrollment by almost 2 million since the beginning of the pandemic. This blog post summarizes (1) the available estimates of the potential reduction in Medi-Cal enrollment once the PHE is unwound and redeterminations have been completed, and (2) the likely eligibility for and enrollment in private coverage among those losing Medi-Cal.

California has the opportunity to expand Medi-Cal to all low-income Californians, regardless of immigration status or age. This policy would result in a massive increase in coverage, bringing close to 700,000 undocumented Californians into coverage and reducing the uninsured rate for residents under 65 to just 7.1%, the biggest single improvement since implementation of the ACA.