Health Insurance Project
Over 375,000 more New Yorkers gained coverage in 2014, according to the Census Bureau’s American Community Survey for 2014, as the uninsured rate declined from 10.7 to 8.7 percent.
- New UHF Report Charts Health Insurance Market Changes in First Year of Full Implementation of the Affordable Care Act
- United Hospital Fund Report Finds Tools to Address Affordability Challenges from Temporary Health Insurance Program
- United Hospital Fund Report Takes a Fresh Look at New York's Resuscitated Individual Health Insurance Market
- United Hospital Fund Report Looks Beyond the Sunset of a Health Care Reinsurance Program That Is Helping Keep Individual Rates More Affordable
- United Hospital Fund Awards $597,193 in Grants to Improve Health Care Services in New York
- The Big Picture VI: New York’s Private and Public Insurance Markets
- New York's Temporary Premium Subsidies: Meeting Immediate Goals and Yielding Useful Lessons
- Affordable Care Act Brings New Life—and Covered Lives—to New York’s Individual Market
- The Next Wave: The Impact of Two New Proposed Mergers on New York’s Health Insurance Market
- After the Reinsurance Is Gone: A New Challenge for New York's Individual Market
The Health Insurance Project works to identify ways to expand and strengthen public and private health insurance, by helping to fashion solutions to emerging policy, regulatory, and implementation challenges that stand between New Yorkers and affordable, quality health coverage. The Health Insurance Project also analyzes demographic data on coverage, health plan enrollment and financial results, and the insurance statutes and regulations unique to New York State, in order to inform the health care policy discussion and identify emerging issues and opportunities.
Public and private insurance play central roles in the financing of health care. The vast majority of the elderly population (age 65 and older) is covered under the federal Medicare program. Low-income families (including low-income seniors and the disabled), receive coverage primarily through the Medicaid program, which is jointly funded by the federal government, the state, and counties. The private health insurance market is largely driven by employer-sponsored group coverage for workers and their families, although the Affordable Care Act has revitalized New York’s private market for individuals.
Approximately 11 million New Yorkers—56 percent of the total population—receive health insurance through employers, about half through insurance policies and the remainder through various self-insurance arrangements. About 3.1 million New Yorkers are enrolled in the Medicare Program, with 1.2 million signed up for Medicare Advantage, the federal managed care option. Approximately 6.3 million New Yorkers are covered by Medicaid, including over 4 million in managed care plans. New York’s 2014 uninsurance rate of 8.7 percent is well below the national average of 11.7 percent, but that still leaves 1.7 million New Yorkers without coverage.
Contact: Peter Newell
Public and Private Insurance Markets
Health insurance data and analysis are the cornerstones of the Health Insurance Project’s work. By providing data on the uninsured and their characteristics and by conducting statistical analyses of the health insurance markets, the Fund helps policymakers craft targeted strategies to expand and maintain coverage.
Implementing Health Care Reform
The Affordable Care Act established a new federal overlay on state-regulated insurance markets, but also gave states significant leeway in how to implement the law’s provisions. The Health Insurance Project focuses on implementation issues facing State policymakers.