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Insurance Exchange

The Patient Protection and Accountable Care Act of 2010 requires states to establish a health insurance exchange – a market where consumers may easily shop for health insurance. California was the first state to enact such legislation, establishing the California Health Benefit Exchange.


Covered California Active Members Receive Substantial Federal Assistance to Pay for Healthcare Coverage and Any Reduction to this Assistance Would Jeopardize Gains on the Affordability of Coverage

Amid talks of GOP reconciliation bills that would gut federal assistance from the Affordable Care Act (ACA) and leave millions of working people uninsured, many of California’s citizens benefit from buying healthcare coverage through the Exchange, Covered California, with federal assistance. Federal assistance comes in two forms for consumers: advanced […] more

Impressions from the Covered California Bus Tour — the Central Valley and Central Coast

The first stop was the Fresno Call Center, one of the three California call centers, where about 450 people work during the Open Enrollment. They handle about 14,000 calls a day from all over the state; they peak at over 20,000 calls. Five of the staff travelled on the bus […] more

Summary of WalletHub article, “2015’s Rates of Uninsured by State Before & After Obamacare”

Using data from the US Census Bureau, WalletHub measured the uninsured rates, after the implementation of the Affordable Care act, in all 50 states and the District of Columbia.  Rates have been broken down to state levels. Commentary and methodology can be found here. In addition to overall insurance rates, […] more

What’s Ahead for Covered California? Medium-Term Policy Considerations

Covered California has achieved great success in its first year. There are certainly needed improvements, and many are planned for the coming year, but California must not lose sight of the bigger picture. Thorough long- and medium-term planning for upcoming years is necessary to truly optimize the impact of the […] more

ITUP Draft Recommendations for the San Francisco Universal Health Council

Below are ITUP’s suggestions to the San Francisco Universal Health Council on revising the San Francisco Health Care Security ordinance’s employer health spending obligations in light of the passage of the Affordable Care Act. Download the complete document here:   ITUP’s recommendations are summarized as follows: For those employers with […] more

Children’s Health Under the ACA (draft)

This working draft examines the future of children’s coverage in California, both where we are now and where we need to go in the near future.  Topics discussed include: Current coverage of children Remaining uninsured children post ACA implementation Future of state programs like CHDP, AIM, CCS, and Family PACT […] more

Understanding the ACA’s Individual Market Reforms

There has been much in the news lately about the impacts of the Affordable Care Act’s reforms on the individual market. This document summarizes the reforms and their impacts for those who are interested. The ACA’s reforms of the individual market include the following: guaranteed issue and renewal, no more […] more

ITUP’s Analysis of Employment-Based Coverage Under the Affordable Care Act

This report looks at the current state of employment-based coverage, describes the changes under the Affordable Care Act (ACA), reviews some of the affordability problems in employment-based coverage for working families and makes suggestions for future improvements in the ACA. It reviews the impacts of the ACA on coverage for […] more

Safety Net Integration – Can it Happen Here?

Download the PDF here:   The ACA requires and rewards integration of services. Accountable care organizations, bundled payments, pay for performance, penalties for excessive hospital readmissions and patient centered medical homes are examples. In California, Kaiser is the best (and only remaining) model of fully integrated delivery system.   Safety […] more

Understanding the ACA’s Employer Responsibilities and the Impacts of the Delay in Employer Penalties

Download the full report here: Employer Responsibilities   The Obama administration announced a delay of the penalties in the ACA’s employer mandate for one year.[1] What does this mean? As best as we can determine it has relatively little to no impact. So what is going on? And why? The […] more