As the Affordable Care Act’s coverage provisions have taken effect, 17.6 million Americans have gained coverage, and, since 2010, we’ve reduced the uninsured rate in this country by 45 percent. The nation’s uninsured rate now stands at its lowest level ever. But still, in communities across the country, 10.5 million people eligible for Marketplace coverage remain uninsured.
Today, we are launching the White House “Healthy Communities Challenge” to engage key communities with large numbers or high percentages of uninsured in states across the country where strong federal, state and community collaboration can have a meaningful impact on reaching the uninsured. Through this challenge, we are calling on community leadership to build outreach efforts to reach these remaining uninsured and help them gain coverage.
At the end of this third open enrollment period, the Department of Health and Human Services (HHS), along with State-based Marketplaces, will publish tallies of new Marketplace signups in participating communities. These tallies will be compared to HHS estimates of the number of eligible uninsured people at the start of open enrollment to see which communities made the most progress during the challenge.
The victorious community gets bragging rights, a healthier community, and a visit from President Obama to celebrate their success in helping ensure every American has health coverage.
Based on particularly high opportunity for impact, the White House reached out to local officials in each of these 20 communities, including Mayor Dan Clodfelter, who embraced the “Healthy Communities Challenge” to get their uninsured constituents covered.
Charlotte Health Insurance Marketplace for 2016
Health insurance coverage is affordable. On June 30, 2015, 459,714 people in North Carolina were covered through its Health Insurance Exchange, or Marketplace.
In North Carolina, 85 percent of people can find a plan for $100 or less, 81 percent for $75 or less, and 75 percent for $50 or less for 2016.
For the second-lowest silver plan, in North Carolina, a family of four with a household income of $60,000 is eligible for $746 in tax credits per month on average statewide, and a 27-year old with a household income of $25,000 is eligible for $175 in tax credits per month in 2016.
Tax credits matter. In 2015, 92 percent of Marketplace enrollees – 421,307 people – in North Carolina received a tax credit, and consumers saved an average of $315 per month.
Consumers have a choice.
In North Carolina, 3 issuers are offering individual health plans in the Marketplace in 2016.
Issuers are offering an average of 24 plans per county in North Carolina in 2016.
In Charlotte, 3 issuers are offering individual health plans in the Marketplace in 2016.
It pays to shop.
In North Carolina, 84 percent of Marketplace consumers who switch to the lowest-cost plan within a coverage level could save on average $55 per month, or $663 per year, on their premium costs in 2016.
About 31 percent of 2014 enrollees in North Carolina switched to a new plan in 2015, saving $482 per year – and $27,068,126 in total statewide – on premium costs.
While progress has been made, more work is needed to cover the uninsured.
In North Carolina, the adult uninsured rate dropped from 20.4 percent in 2013 to 14.7 percent in the first half of 2015.
In Charlotte and the surrounding region, there are 153,000 uninsured who are eligible for the Marketplace. (The number of the uninsured is for the Designated Market Area that includes Charlotte.)
Communities Participating in the “Healthy Communities Challenge”
Dallas, TX
Tampa, FL
Atlanta, GA
Seattle, WA
Great Falls, MT
Salt Lake City, UT
Kansas City, MO
Chicago, IL
Phoenix, AZ
Detroit, MI
Charlotte, NC
Nashville, TN
New Orleans, LA
Denver, CO
Milwaukee, WI
Philadelphia, PA
Las Vegas, NV
Oakland, CA
Richmond, VA
Long Beach, CA