HRMS Issue Brief 24

Almost two-thirds of Texans ages 18 to 64 stayed insured with health care coverage during the past 12 months, according to a new report released today by Rice University’s Baker Institute for Public Policy and the Episcopal Health Foundation (EHF).

The report found 64 percent of nonelderly Texans had stable health insurance coverage over the prior year. In comparison, 19 percent of Texans said they lost coverage at some point within the past year, and 17 percent said they had no health insurance at all during that time.

The report is the 24th in a series on the implementation of the Affordable Care Act in Texas co-authored by Vivan Ho and Elena Marks. The Health Reform Monitoring Survey (HRMS) is a quarterly survey of adults ages 18-64 that began in 2013. The HRMS is designed to provide timely information on implementation issues under the ACA and to document changes in health insurance coverage and related health outcomes. The Baker Institute and the Episcopal Health Foundation are partnering to fund and report on key factors about Texans obtained from an expanded, representative sample of Texas residents (HRMS-Texas). The HRMS was developed by the Urban Institute, conducted by GfK and jointly funded by the Robert Wood Johnson Foundation, the Ford Foundation and the Urban Institute. The analyses and conclusions based on HRMS-Texas are those of the authors and do not represent the view of the Urban Institute, the Robert Wood Johnson Foundation or the Ford Foundation.

Click the links below to view the reports to date:

• "Almost two-thirds of Texans have stable health insurance" (released Oct. 5, 2016)
• "Rate of uninsured young adults drops by more than one-third in Texas" (released Aug. 23, 2016)
• "The Impact of the Affordable Care Act on Adult Hispanics in Texas" (released July 14, 2016)
• "Changes in Rates and Characteristics of the Uninsured Among Texans ages 18-64 from 2013 to 2016" (released May 31, 2016)
• "Insured Texans lack clear understanding of their health insurance plans" (released March 24, 2016)
• "Twenty-five percent of Texans say they don't understand basic health insurance terms" (released March 8, 2016)
• "Most uninsured Texans say cost of health insurance too high" (released Jan. 28, 2016)
• "Affordability of Health Services among Non-Elderly Texas Adults" (released Jan. 7, 2016)
• "Characteristics and Changes in Rates of the Uninsured in Texas and the United States as of September 2015" (released Dec. 17, 2015)
• "The Impact of the Affordable Care Act on Texas Workers" (released Oct. 6, 2015)
• "Comparison of Affordability and Utilization of Health Care Services by Insured and Uninsured Adult Texans" (released Aug. 20, 2015)
• "Characteristics of Uninsured Texans as of March 2015" (released July 30, 2015)
• "Change in Insurance Status of Adult Texans By Demographic Group as of March 2015" (released June 2, 2015)
• "Effects of the Affordable Care Act on Health Insurance Coverage in Texas as of March 2015" (released April 30, 2015)
• "Marketplace Plans: Premiums, Network Size and Market Competition" (released Nov. 10, 2014)
• "Preparing for the Second Marketplace Open Enrollment Period in Texas" (released Oct. 16, 2014)
• "Affordability of Marketplace Plans in the Largest Metropolitan Areas of Texas" (released Sept. 23, 2014)
• "Insurance status of adult Texans and characteristics of the uninsured as of June 2014" (released Sept. 3, 2014)
• "Affordability of Marketplace Plans for the Marketplace Target Population" (released July 8, 2014)
• "The Experience of Texans with healthcare.gov" (released June 11, 2014)
• "The Affordable Care Act and Hispanics in Texas" (released May 9, 2014)
• "Early Effects of the Affordable Care Act on Health Insurance Coverage in Texas for 2014" (released April 14, 2014)
• "The Affordable Care Act and Texas' 'Young Invincibles'" (released March 31, 2014)
• "Were Texans Satisfied with the Cost of Health Care and Health Insurance Prior to the Affordable Care Act?" (released Feb. 10, 2014)

Almost two-thirds of Texans have stable health insurance

Almost two-thirds of Texans ages 18 to 64 stayed insured with health care coverage during the past 12 months, according to a new report released today by Rice University’s Baker Institute for Public Policy and the Episcopal Health Foundation.

The report found 64 percent of nonelderly Texans had stable health insurance coverage over the prior year. In comparison, 19 percent of Texans said they lost coverage at some point within the past year, and 17 percent said they had no health insurance at all during that time.

“The good news is that once Texans get health insurance, they tend to keep their coverage,” said Elena Marks, EHF’s president and CEO and a nonresident health policy fellow at the Baker Institute. “That’s important because Texans with stable health insurance are much less likely to have trouble accessing care or paying for medical bills.”

The report found Texans who don’t have continuous health insurance coverage are more than twice as likely to have trouble accessing health care than those who keep their insurance. Researchers found those without consistent coverage are also much more likely to skip health care, have trouble paying medical bills and say they need mental health care but didn’t get it.

“These numbers are consistent with previous research showing that steady health insurance coverage improves access to care, which is a core premise of the Affordable Care Act,” said Vivian Ho, the chair in health economics at Rice’s Baker Institute and director of the institute’s Center for Health and Biosciences, a professor of economics at Rice and a professor of medicine at Baylor College of Medicine. “These findings are also good news for insurance providers, because most people are staying in the markets continuously.”

Researchers discovered only half of Hispanics and 38 percent of low-income Texans had stable health insurance. Texans younger than 50 were also less likely than older Texans keep their health insurance for an entire year.

“We’ve seen that these groups may not fully understand their health options,” Marks said. “As enrollment assistance organizations prepare for open enrollment in November, they should continue to look for ways to strengthen outreach and education to these groups.”

While the numbers show most Texans have stable health insurance, the report also highlights the stubbornly high uninsured rate in Texas, Marks said. Researchers found 17 percent of Texans do not have health insurance. Texas’ uninsured rate is now more than twice that of the U.S. as a whole (8 percent). In addition, recently released census data shows Texas remains the state with the highest uninsured rate and the largest number of uninsured residents.

“We can change these dismal statistics through enhanced outreach and enrollment, as well as Medicaid expansion,” Marks said. “But if we do nothing, millions of Texans will remain uninsured and the entire state will continue to pay the price for it.”
 
The report is the 24th in a series on the implementation of the Affordable Care Act (ACA) in Texas co-authored by Marks and Ho.