Expanding Medicaid is not enough to help middle class families in Georgia

Expanding Medicaid is not enough to help middle class families in Georgia

Expanding Medicaid is not enough to help middle class families in Georgia

Some in Georgia are pushing for a full expansion of Medicaid. As the Georgia Center for Opportunity (GCO) team has outlined before, this step would do more harm than good for low-income Georgia families.

But there’s another narrative unfolding that tends to not get much attention: expanding Medicaid doesn’t solve the problem of uninsured middle-class families in the Peach State. Far from it, in fact.

    Georgia lags most of the rest of the nation on health insurance

     

    The un-affordability problem

    Proposals to expand Medicaid would extend the program to households earning 138 percent or less of the federal poverty limit ($35,535 for a family of four). As GCO scholar Erik Randolph writes in a new report (What Does an Ideal Solution to the Health Insurance Crisis Look Like?), nearly 60 percent of Georgians have incomes above that threshold.  

    So, what does that mean in plain language? Simply that even with tax credits available under the Affordable Care Act (ACA) that subsidize the cost of insurance, hundreds of thousands of Georgia families still consider the cost unaffordable. 

    The statistics on who is insured and uninsured in Georgia bear this out:

    • Nearly half (46 percent) of uninsured families of four have annual incomes between $35,535 and $103,000.

    Woman's hands with pills and money in black and whiteA newly released report from the consulting firm Deloitte found that Georgia lags most of the rest of the nation on health insurance:

    • Georgia’s uninsured rate is 14.8 percent, compared to 10.5 percent nationally.
    • Around 28.5 percent of the uninsured population is below the poverty line (478,000 people) compared to 19.6 percent nationally.
    • Minorities are particularly impacted: 33 percent of Hispanics and 15 percent of African-Americans are uninsured, compared to 12 percent of whites.

    While those near or at the poverty level are impacted by the current healthcare crisis, they’re not alone. Even the middle class can’t afford health insurance. Average prices for plans on the ACA exchanges have increased by around 70 percent since 2014. And in some Georgia counties, they’ve more than doubled.

     

    A new system is needed

    Earlier this year, Governor Brian Kemp and lawmakers in the General Assembly took the right step when they passed a bill authorizing healthcare waivers for Georgia. This is a crucial step toward full healthcare reforms that help the truly needy while lifting people out of poverty and encouraging healthy family formation. However, this is not a comprehensive solution because once families are lifted out of poverty, they still face the mounting costs of health insurance.

    The answer comes in the form of a market-based, consumer-directed health insurance system. Under GCO proposals, Medicaid in our state would be fundamentally changed and consolidated with other programs so that the most underserved can access the same health insurance as everyone else. As a result, no one gets trapped in the welfare system.

    These proposals also make health insurance affordable for the middle class, empower consumers to shop for the right plan, and solve the portability problem by no longer tying health insurance to employers.

    In the end, everyone will benefit—poor, middle-class, and rich—under these proposals that bring common sense and sanity back into the healthcare marketplace.

    Read more: A Real Solution for Health Insurance and Medical Assistance Reform

    Read more: What Does an Ideal Solution to the Health Insurance Crisis Look Like?

     

     

     

    The health care crisis is debilitating for those in poverty

    The health care crisis is debilitating for those in poverty

    The health care crisis is debilitating for those in poverty

    A look at the correlation between health care insurance coverage and poverty in Georgia reveals some sobering facts:  

    • 41 percent of uninsured Georgians have annual incomes at or below $35,535.
    • Lack of insurance coverage is one of the prime reasons why life expectancy for those in poor neighborhoods is fully 10 years shorter than in the richest areas. 
    • Premiums in the individual health insurance market have more than doubled since passage of the Affordable Care Act (ACA) in 2010. 
    • For low-income families and those stuck at or below the poverty threshold, healthcare is one of the top expenses and plays heavily into the welfare cliff, which keeps folks mired in poverty. 
    • Despite generous government tax credits, premiums for low-income families on the ACA health care exchanges are still unaffordable. 

    “The health care crisis is a poverty crisis.

    Clearly, America’s failing healthcare system disproportionately impacts the poor. And despite multiple federal and state programs aimed at creating a safety net, the poor still aren’t getting adequate health care. The bottom line is that our health care crisis is a poverty crisis. 

     

    A complicated, fragmented system

    Imagine going to the doctor and not knowing whether your visit will be covered or what you should expect to pay. That’s the exact scenario that plays out for millions of low-income Americans every week. That’s partly because of rather than receiving health care coverage through one unified plan, low-income families in Georgia frequently cobble together fragmented plans.

    For Georgians under the age of 18 living in a family at 138 percent of the poverty level or less, 60 percent have different coverage from their mother and 70 percent have different coverage from their father.  

    And depending on individual circumstances, health insurance can come through a job, individual markets, ACA exchanges, and government programs such as Medicaid, PeachCare, Medicare, TriCare, VA services, and the Indian Health Service—all with different rules for eligibility.

     

    The time is ripe for meaningful reforms in Georgia

    Instead of simply expanding Medicaid and trapping more people in the welfare system, we must explore options that help pull people out of poverty.

    The solution is a consumer-directed market system coupled with a reform safety net program that achieves universal coverage for all Georgians by:  

    • Untethering health care from its close association with employment so that people won’t lose their insurance because they lose or change a job.
    • Making shopping for health insurance just like buying any other insurance product so that consumers can identify coverage and price options—and compare apples to apples.
    • Providing subsidies from the government—run by the Georgia Gateway—to allow low-income individuals and families to purchase insurance on the private market. This system would be means-tested by an eligibility engine that eliminates welfare cliffs and marriage penalties.

     

    A Hope For Georgians

    The good news is that the President’s Administration is encouraging states to come up with their own solutions to the health care crisis through federal waiver applications. This means Georgia has a unique opportunity to enact meaningful health-insurance reform that not only addresses the health care crisis, but also helps pull families out of poverty.

    Read more: A Real Solution for Health Insurance and Medical Assistance Reform

    Read more: What Does an Ideal Solution to the Health Insurance Crisis Look Like?

    GCO releases new reports describing the best path forward for Georgia’s federal healthcare waivers

    GCO releases new reports describing the best path forward for Georgia’s federal healthcare waivers

    Today, the Georgia Center for Opportunity (GCO) has released two new reports detailing precisely how the Georgia governor and lawmakers should enact federal healthcare waivers that will reform a healthcare system disproportionately impacting the poor.

    In What Does an Ideal Solution to the Health Insurance Crisis Look Like? Principles for Policymakers When Crafting a Federal Waiver Application, GCO scholar Erik Randolph describes the ways that Georgia lawmakers can craft a healthcare system that works for everyone, particularly the most vulnerable. And in What Census Microdata Tells Us About Health Insurance Coverage in Georgia, Randolph delves into some lesser known facts about the healthcare system in Georgia in order to better help lawmakers craft a system that helps those in poverty and boosts economic mobility.

    Randy Hicks, GCO’s President and CEO, said the new reports come at a crucial time for healthcare reform in Georgia. “Due to a federal waiver application process approved by the Trump Administration, Georgia has a narrow window of opportunity to innovate at the local level to solve the healthcare crisis,” Hicks said. “More than 13 percent of Georgians still lack health insurance, and the cost of insurance in the individual markets have more than doubled since the enactment of the Affordable Care Act. We need a real solution to this crisis. This report lays the groundwork.”

    The reports recommend the creation of a consumer-directed market system coupled with a reformed safety-net program. Key recommendations include:

    • Freedom and portability:Just like with other insurances, consumers want the leeway to shop for health insurance on their own terms and to not lose their plan when leaving a job. This solution drives down costs and keeps affordable health coverage long after they leave employment.
    • Affordability: There is a simple reason why 13.3 percent of Georgians lack any health insurance: affordability. As demonstrated by systems in Switzerland and the Netherlands, the solution is to achieve universal coverage. GCO’s healthcare proposals will create a market-driven program with safety-net subsidies, leading to universal coverage. Pricing will be transparent and consumers will easily shop for the best values.
    • A unified system: The current healthcare system is a fragmented hodgepodge of programs—Medicaid, PeachCare, Medicare, TriCare, VA services, and government-run exchanges. Contrary to this confusing system, GCO reforms would create a single program with government subsidies for low-income families that eliminate welfare cliffs and marriage penalties.
    • The safety net: The system still provides a vital safety net for those who aren’t able to afford health insurance on their own. Subsidies are provided through the Georgia Gateway to help low-income families pay their premiums.

     

    Building Trust In A Relationship – Part 3

    Regaining trust takes two participants.

    Tina Taylor, an experienced professional counselor for more than ten years, joins us to discuss the principle of trust. This session continues the discussion on regaining and building trust.

    Below is the outline to follow along with as she presents.

     

    OUTLINE
    A.  How do you know if someone is trustworthy?

    1. Does this person keep promises?
    2. Does this person show empathy towards others?
    3. Does this person show they are aware of how their actions affect others?
    4. Does this person run away from problems?
    5. Does this person use or take advantage of others?
    6. Does this person behave helpless and look for others to take care of them?

     

     

    B. Four Ingredients for Change

    1. Insight- Acknowledge the offense
    2. Gain new information (partner and other resources)
    3. Effort to correct (intentional)
    4. Time and practice

    Examples: Defaulted on a loan from a friend and Spent more money than agreed

    Key: It is work. Do the work. Work starts in your heart as this is where your intentions start. Conscious inner feeling or voice that helps decide between right and wrong.

    C. Doing the work to battle here has results in how you relate to others.

    1. Think about the feelings of others
    2. Think about the ramifications of your actions
    3. Look to give rather than receive
    4. What a trustworthy partner looks like:

    a. Maturity
    b. Adaptable
    c. Relationship Skills
    d. Responsible
    e. Inner Confidence
    f. Anger Management
    e. Gracious
    d. Emotionally Stable

    D. Conclusion

    1. As one seeking to build or rebuild trust- Keep your head before your heart
    2. As one seeking to regain trust- It is work. Do the work.

    Need More Information or Interested In Talking To A Licensed Professional?

    Building Trust In A Relationship – Part 2

    Can you build trust too soon?

    Tina Taylor, an experienced professional counselor for more than ten years, joins us for part 2 of our discussion on trust.

    Often times when building a new relationship, there is a tendency to experience disappointment as a result of trusting too much too soon in a relationship. Together we will earn practical ways to determine if another is trustworthy before investing time and emotion into a new relationship.

    Within established relationships, trust is often times broken or betrayed. We explore pratical tools for relationships seeking to restore trust.

     

    Below is the outline to follow along with as she presents.

     

    OUTLINE
    A. What is Trust

    1. Misconceptions
    2. Definition

    B. Who Builds Trust

    1. Everyone
    2. Those who betrayed
    3. Those who have been betrayed

    C. How to Build Trust

    1. Trust Wheel (seeking to gain or restore trust)
    2. Making Changes (those who betrayed trust)

    a. Admit you were wrong
    b. Gain new information
    c. Effort to correct
    d. Time

    D. Conclusion

    1. As one seeking to trust- Keep your head before your heart

    2. As one restoring trust- It is work. Do the work.

    Need More Information or Interested In Talking To A Licensed Professional?