Incentive Programs for Smart Housing Development
Encouraging smart growth and housing production through incentive programs such as the Housing Development Incentive Program (HDIP) and Urban Center Housing Tax Increment Financing (UCH-TIF). These programs promote market-rate housing, affordable housing, and mixed-use developments in designated areas, offering financial incentives to municipalities for adopting smart growth zoning and housing production. HDIP focuses on Gateway Cities while UCH-TIF targets commercial centers, both aiming to stimulate development in alignment with local plans and zones. By providing tax exemptions, credits, and flexibility in affordability requirements, these programs support sustainable urban development and economic growth.
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Webinar for Journalists: Results from Survey of People Who Bought Their Own Health Insurance Under the ACA Presented by the Kaiser Family Foundation Thursday, June 19, 2014 11:00 a.m. ET to 12:00 p.m. ET
Todays Speakers from the Kaiser Family Foundation Liz Hamel Larry Levitt Drew Altman Senior Vice President Director, Public Opinion and Survey Research President and CEO Co-Executive Director of the Program for the Study of Health Reform and Private Insurance
Two-Thirds Of Adults In Non-Group Market Have ACA- Compliant Plans NON-GROUP MARKET = All those ages 18-64 whose primary source of health insurance is a plan they purchased themselves, either directly from an insurer or through a Marketplace created by the ACA. Non-compliant plans (took effect before Jan. 1) 31% ACA-compliant plans (took effect on or after Jan. 1) 68% Unknown effective date 1% SOURCE: Kaiser Family Foundation Survey of Non-Group Insurance Enrollees (conducted April 3 May 11, 2014)
Half Of Adults In Non-Group Market Have Plans Purchased From A Health Insurance Exchange Non-compliant plans 31% Plans purchased from an Exchange 48% Unknown effective date 1% ACA-compliant plans purchased outside Exchange 16% Compliant plans purchased from broker, unknown if Exchange 3% SOURCE: Kaiser Family Foundation Survey of Non-Group Insurance Enrollees (conducted April 3 May 11, 2014)
Nearly Six In Ten In Exchange Plans Were Previously Uninsured AMONG NON-GROUP ENROLLEES WITH PLANS PURCHASED THROUGH A HEALTH INSURANCE EXCHANGE: Percent who say before purchasing their current plan, they were Covered by a different non- group plan 16% Covered by Medicaid/ other public 9% Uninsured 57% Covered by an employer/ COBRA 14% Other/Don't know/Refused 4% SOURCE: Kaiser Family Foundation Survey of Non-Group Insurance Enrollees (conducted April 3 May 11, 2014)
Seven In Ten Previously Uninsured In Marketplace Plans Say They Got Insurance Because Of The ACA AMONG PREVIOUSLY UNINSURED NON-GROUP ENROLLEES WITH EXCHANGE PLANS: What is the main reason you were uninsured before you began purchasing insurance on your own? (open-end) Did you decide to buy your own health insurance because of the health care law, or do you think you would have gotten insurance anyway, even without the law? Too expensive 51% Would have gotten it anyway 26% Job-related reasons (unemployed, employer doesn't offer, etc.) 21% Because of the law 72% Didn't think you needed coverage 10% Didn't know how to get it 5% Don't know/ Refused 2% Couldn't get coverage due to poor health/illness/age 4% SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 May 11, 2014)
Enrollees In Compliant Plans Report Being Somewhat Less Healthy Than Those In Non-Compliant Plans AMONG NON-GROUP ENROLLEES: In general, would you say your health is Excellent Very good Good Only fair Poor ACA-compliant plans 22% 29% 31% 13% 4% Non-compliant plans <1% 28% 37% 28% 6% NOTE: Don t know/Refused answers not shown. SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 May 11, 2014)
Enrollees In Compliant Plans Report Being Somewhat Less Healthy Than Those In Non-Compliant Plans AMONG NON-GROUP ENROLLEES: In general, would you say your health is Excellent Very good Good Only fair Poor ACA-compliant plans 22% 29% 31% 13% 4% Non-compliant plans <1% 28% 37% 28% 6% NOTE: Don t know/Refused answers not shown. SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 May 11, 2014)
Who Says They Benefited Or Were Negatively Affected By ACA? AMONG NON-GROUP ENROLLEES: Percent who say they have benefited or been negatively affected by the ACA Negatively Affected Benefited 18% 60% Exchange enrollees who report getting financial assistance Total Exchange enrollees 19% 54% Previously uninsured, now in ACA-compliant plans 18% 50% Total with ACA-compliant plans 27% 45% 29% 34% TOTAL NON-GROUP ENROLLEES 32% 12% Non-compliant plans 40% 33% Previously ESI/COBRA, now in compliant plans 47% 41% Plan switchers* Non-Exchange, ACA-compliant plans 48% 21% Had coverage cancelled past 12 months 57% 34% *Plan switchers are those who switched from a non-compliant to a compliant non-group plan. NOTE: The share who say they neither benefited nor were negatively affected is not shown. SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 May 11, 2014)
Who Says They Benefited Or Were Negatively Affected By ACA? AMONG NON-GROUP ENROLLEES: Percent who say they have benefited or been negatively affected by the ACA Negatively Affected Benefited 18% 60% Exchange enrollees who report getting financial assistance Total Exchange enrollees 19% 54% Previously uninsured, now in ACA-compliant plans 18% 50% Total with ACA-compliant plans 27% 45% 29% 34% TOTAL NON-GROUP ENROLLEES 32% 12% Non-compliant plans 40% 33% Previously ESI/COBRA, now in compliant plans 47% 41% Plan switchers* Non-Exchange, ACA-compliant plans 48% 21% Had coverage cancelled past 12 months 57% 34% *Plan switchers are those who switched from a non-compliant to a compliant non-group plan. NOTE: The share who say they neither benefited nor were negatively affected is not shown. SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 May 11, 2014)
Who Says They Benefited Or Were Negatively Affected By ACA? AMONG NON-GROUP ENROLLEES: Percent who say they have benefited or been negatively affected by the ACA Negatively Affected Benefited 18% 60% Exchange enrollees who report getting financial assistance Total Exchange enrollees 19% 54% Previously uninsured, now in ACA-compliant plans 18% 50% Total with ACA-compliant plans 27% 45% 29% 34% TOTAL NON-GROUP ENROLLEES 32% 12% Non-compliant plans 40% 33% Previously ESI/COBRA, now in compliant plans 47% 41% Plan switchers* Non-Exchange, ACA-compliant plans 48% 21% Had coverage cancelled past 12 months 57% 34% *Plan switchers are those who switched from a non-compliant to a compliant non-group plan. NOTE: The share who say they neither benefited nor were negatively affected is not shown. SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 May 11, 2014)
Who Says They Benefited Or Were Negatively Affected By ACA? AMONG NON-GROUP ENROLLEES: Percent who say they have benefited or been negatively affected by the ACA Negatively Affected Benefited 18% 60% Exchange enrollees who report getting financial assistance Total Exchange enrollees 19% 54% Previously uninsured, now in ACA-compliant plans 18% 50% Total with ACA-compliant plans 27% 45% 29% 34% TOTAL NON-GROUP ENROLLEES 32% 12% Non-compliant plans 40% 33% Previously ESI/COBRA, now in compliant plans 47% 41% Plan switchers* Non-Exchange, ACA-compliant plans 48% 21% Had coverage cancelled past 12 months 57% 34% *Plan switchers are those who switched from a non-compliant to a compliant non-group plan. NOTE: The share who say they neither benefited nor were negatively affected is not shown. SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 May 11, 2014)
Similar Shares Of Plan Switchers Report Increase and Decrease In Premiums AMONG THOSE WHO SWITCHED FROM NON-COMPLIANT TO COMPLIANT NON-GROUP PLANS: Is the monthly premium amount you pay (after tax credit) for your CURRENT plan higher or lower than what you paid for your previous plan, or is it about the same? Higher 39% Lower 46% About the Same 15% SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 May 11, 2014)
Plan Switchers Report Similar Characteristics In New vs. Old Plans AMONG THOSE WHO SWITCHED FROM NON-COMPLIANT TO COMPLIANT NON-GROUP PLANS: Compared with your previous health plan, do you think your current plan offers you more financial protection, less financial protection or about the same level of financial protection if you need health care? Is the amount of your annual deductible under your current plan higher or lower than the deductible under your previous plan, or is it about the same? Do you think the range of health care services covered under your current insurance plan are better, worse, or about the same as your previous plan? More 29% Worse 25% Higher 31% Less 26% Lower 31% Better 31% About the same level 38% About the same 43% About the same 33% Don't know/ Refused 5% Don't know/ Refused 7% Don't know/ Refused 2% SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 May 11, 2014)
Evidence Of A Move Toward Narrower Networks AMONG THOSE WHO SWITCHED FROM NON-COMPLIANT TO COMPLIANT NON-GROUP PLANS: Do you think your current plan offers you more choice or less choice of specialists, such as cardiologists and orthopedists, than your previous plan, or is it about the same? Do you think your current plan offers you more choice or less choice of primary care doctors than your previous plan, or is it about the same? Do you think your current plan offers you more choice or less choice of hospitals than your previous plan, or is it about the same? More 10% More 11% More 13% Less 24% Less 23% Less 32% About the same 55% About the same 55% About the same 58% Don't know/ Refused 2% Don't know/ Refused 5% Don't know/ Refused 10% SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 May 11, 2014)
Half Report Getting Help With Enrollment AMONG NON-GROUP ENROLLEES WITH ACA-COMPLIANT PLANS: Did someone help you enroll in health insurance or did you complete the enrollment process on your own? (If got help: Who was that person ?) Exchange representative Broker/agent Community worker Friend/family member Someone else Completed on own Among those with Exchange plans 24% 8% 5% 7% 5% 51% Among those with ACA- compliant plans purchased outside Exchange 4% 24% 6% 16% 3% 48% NOTE: Don t know/Refused answers not shown. SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 May 11, 2014)
Most Exchange Enrollees Say Comparing Plans Was Easy AMONG NON-GROUP ENROLLEES WITH PLANS PURCHASED THROUGH A HEALTH INSURANCE EXCHANGE: Thinking about when you signed up for your current health plan, how easy or difficult was it for you to Very or somewhat easy Very or somewhat difficult Compare monthly premiums 69% 26% Figure out if your income qualifies you for financial assistance 64% 29% Compare copays and deductibles 64% 30% Set up an account with the marketplace 59% 33% Compare provider networks 58% 34% NOTE: Don t know/Refused and Not Applicable answers not shown. SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 May 11, 2014)
Most Say Plan Is A Good Value, But Many Find It Difficult To Afford Premiums AMONG NON-GROUP ENROLLEES WITH ACA-COMPLIANT PLANS: Would you say your health insurance is an excellent value, good value, only a fair value or a poor value for what you pay for it? How easy or difficult is it for you to afford to pay the cost of your health insurance each month? Very difficult 14% Poor 18% Excellent 21% Very easy 24% Somewhat difficult 29% Only fair 21% Somewhat easy 30% Good 34% Don't Know/ Refused 3% Don't Know/ Refused 6% SOURCE: Kaiser Family Foundation Survey of Non-Group Health Insurance Enrollees (conducted April 3 May 11, 2014)
NEW: Survey of Non-Group Health Insurance Enrollees Report: kff.org/private-insurance/report/survey-of-non-group- health-insurance-enrollees Press Release: kff.org/private-insurance/press-release/new-kaiser-survey- of-people-with-non-group-insurance-finds-nearly-six-in-10- people-enrolled-in-marketplace-plans-were-previously- uninsured/
Contact Information Rakesh Singh, Vice President of Communications Kaiser Family Foundation | Menlo Park, Calif. Email: RSingh@KFF.org Craig Palosky, Director of Communications Kaiser Family Foundation| Washington, D.C. Email: CPalosky@KFF.org
Thank you! Until the next webinar, be sure to keep up with KFF online: Facebook: /KaiserFamilyFoundation Twitter: @KaiserFamFound LinkedIn: /company/kaiser-family-foundation Email alerts: kff.org/email
