Health Coverage

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California Workers' Rights: A Manual of Job Rights, Protections and Remedies

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Nari Rhee

Medicaid Cuts—Including Work Documentation Requirements—Harm Older Adults

Rolling back Medicaid access through cuts and bureaucratic hurdles will have far-reaching and disproportionate impacts on older adults. In particular, the work documentation requirement poses an especially draconian barrier to older adults, given the steady dropoff in employment after age 50 due to deteriorating health, age discrimination, and increasing responsibility to provide care for aging family members.

Laurel Lucia,Miranda DietzandAlexis Manzanilla

The Importance of Comprehensive Health Benefits for All Low-Income Californians

California’s historic expansion of coverage to undocumented individuals has not only brought the state closer to universal coverage, but has also reduced racial disparities in health coverage. However, this progress is at risk due to a new state budget proposal that would curtail Medi-Cal benefits for certain immigrants, ahead of additional severe federal cuts to Medicaid being considered.

Laurel Lucia

California Could Lose Up to 217,000 Jobs if Congress Cuts Medicaid

Republicans are considering major cuts to Medicaid to offset tax cuts. Depending on the specific mechanisms and timing for cutting Medicaid, California could expect to see between $10 billion and $20 billion fewer federal dollars per year coming to Medi-Cal, the state’s Medicaid program. These federal cuts would lead to significant job loss in health care and other sectors.

Miranda Dietz,Srikanth Kadiyala,Annie Rak, Sun-Yin Ho,Laurel Lucia,Dylan H. RobyandGerald F. Kominski

All 2.37 million Californians in the individual market will face higher premiums if Congress does not act by 2025

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.

Laurel LuciaandMiranda Dietz

Comments to Office of Health Care Affordability on the Hospital Price Problem for Workers in Monterey County

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.

Alexis ManzanillaandLaurel Lucia

Expanding Covered California for All by Ending Immigration Status-Based Exclusions

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.

Laurel Lucia,Enrique Lopezlira,Ken JacobsandSavannah Hunter

Proposed health care minimum wage increase: State costs would be offset by reduced reliance on the public safety net by health workers and their families

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.

Miranda Dietz,Srikanth KadiyalaandLaurel Lucia

Extending Covered California subsidies to DACA recipients would fill coverage gap for 40,000 Californians

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.

Miranda Dietz,Laurel Lucia,Srikanth Kadiyala,Tynan Challenor,Annie Rak,Yupeng Chen,Menbere Haile,Dylan H. RobyandGerald F. Kominski

California’s Uninsured in 2024: Medi-Cal expands to all low-income adults, but half a million undocumented Californians lack affordable coverage options

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.

Miranda Dietz,Tynan ChallenorandSrikanth Kadiyala

Fact Sheet: Fixing the Family Glitch in California — Projections from the California Simulation of Insurance Markets

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.

Miranda DietzandLaurel Lucia

What’s at Stake for California Health Care Affordability in the Inflation Reduction Act?

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.

Laurel Lucia,Tynan ChallenorandMiranda Dietz

How will Californians’ health coverage sources change when the public health emergency ends?

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.

Miranda Dietz,Laurel Lucia,Srikanth Kadiyala,Tynan Challenor,Annie Rak,Dylan H. RobyandGerald F. Kominski

California’s biggest coverage expansion since the ACA: Extending Medi-Cal to all low-income adults

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.